Car Affordability Calculator

Most calculators only show your payment. This one shows the real monthly cost — including insurance, gas, maintenance, and depreciation.

Your Income

The Car

Ownership Costs

Your Real Monthly Cost

$0
Total cost of owning this car per month
Loan payment$0
Insurance$0
Gas / charging$0
Maintenance$0
Est. depreciation$0
% of take-home pay0%
← Read the full breakdown: How Much Car Can You Actually Afford?

Estimates are approximate — your actual costs will vary by vehicle, location, driving habits, and credit profile. Depreciation is averaged at 15%/year and will differ by make and model. This calculator is for educational purposes only. I'm not a financial advisor — this is just what I felt was useful based on my own experience in the car business. Always do your own research before making a purchase decision.