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Car Affordability Calculator

Find out how much car you can really afford — using the 20/4/10 rule and true cost of ownership.

Your Finances
Student loans, credit cards, etc.
Car Details
20% recommended
Verdict
Monthly Payment
Total Monthly Cost
% of Gross Income

20/4/10 Rule Check

    Full Cost Breakdown
    Car price
    Down payment
    Amount financed
    Total interest paid
    Total cost of loan
    Insurance (total over loan term)
    Gas + maintenance (total over loan term)
    True total cost of ownership

    True total includes all financing costs, insurance, and maintenance over the loan term — not just the sticker price.

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