Buy a Car You Love - Without Wrecking Your Finances
In just 3 minutes, discover the safe car budget that keeps your family secure,
your savings intact, and your peace of mind untouched.
- Avoid debt stress.
- Protect your future.
- Drive happy.
- Vehicle price before taxes -
- Sales tax amount -
- Total vehicle purchase price -
- Down payment -
- Loan term -
- Loan principal -
- Monthly loan payment -
- Total interest paid -
- Total monthly car costs -
3 Simple Steps to Your Safe Car Budget
- 1
Enter your monthly numbers
Add your monthly net income and monthly expenses — these are required for the base calculation.
- 2
Fine-tune with optional details
For a more accurate result, include optional data like sales tax rate, annual interest rate, debts, and savings goals.
- 3
Get your personalized price range
Instantly see the safe car budget that keeps your finances balanced and your family secure.
Start simple or go deep — the more details you add, the more precise your result and detailed affordability report will be.
Most Car Buyers Overspend by $6,000+ - Here's Why
- Dealers focus on monthly payment, not your total financial health.
- Hidden costs like insurance, taxes, and maintenance aren't factored in.
- No personalized calculation means you risk stretching your budget too far.
Overspending on a car isn't just a higher payment today. It can drain your savings, create years of debt, and add constant financial stress.
Our calculator combined with the detailed affordability report gives you a clear, personalized safe price range. You'll know exactly what you can afford, avoid debt traps, and buy with total confidence.
Unlock Your Detailed Affordability Report - Make a Smart Car Purchase
Turn your quick calculation into a complete financial roadmap for your next car.
- Clear summary with your recommended car budget, monthly cost, and risk level
- Safe price ranges (conservative, optimal, aggressive) tailored to your finances
- All-in monthly ownership cost estimate (loan, insurance, fuel, maintenance, fees)
- Five-year total cost of ownership with a simple category-by-category breakdown
- Monthly budget impact showing how total car costs fit into your cash flow
- Smart loan guidance with recommended term, payment, and down payment for your budget
- Stress-test results so you see how your budget holds up in conservative, baseline, and worst-case scenarios
- Cost-per-kilometer estimate based on your driving distance and ownership costs
- Personalized analysis of your insurance, fuel, and maintenance spending levels
- Curated shortlist of vehicles that fit your price range and usage profile
- Action plan with clear next steps for conservative, optimal, and aggressive purchase strategies