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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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