Discover the maximum car price you can afford without going broke—using the proven 20/4/10 rule that keeps your finances healthy.
Discover the maximum car price you can afford without going broke—using the proven 20/4/10 rule that keeps your finances healthy.
Enter your income and expenses below to see what car you can actually afford
Before taxes and deductions
Percentage of car price • $0 actual amount
Current average: 6-8% for good credit
Shorter terms = less interest paid
Gas, insurance, maintenance, registration, parking
Maximum Car Price
Including taxes and registration
Principal + Interest to Bank
Payment + Gas + Insurance + Maintenance
⚠️ Warning: Your down payment is less than 20% of the car price. Consider increasing your down payment percentage or looking at less expensive cars.
⚠️ Warning: Loan terms longer than 4 years increase total interest paid and risk of being upside-down on the loan.
❌ Alert: Your car expenses exceed the 10% rule. Reduce expenses or increase income to afford a car safely.
Follow these rules to avoid getting financially trapped by car payments
Put down at least 20% to avoid being upside-down on your loan and reduce monthly payments.
Keep loans to 4 years or less. Longer loans mean more interest and being underwater longer.
Total car expenses (payment, gas, insurance, maintenance) should be 10% or less of gross income.
Broader Pro shows you exactly where your money will take you
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The difference is clear
❌ Traditional Apps: Where did my money go?
âś… Broader: Where will my money take me?