Auto tools
How much car can I afford?
A car payment is only part of the cost — insurance, fuel, and maintenance ride along with it. This works out a price range from your whole transportation budget, not just what a lender will approve.
Your budget
INCOMEBefore tax, household total.
Rent or mortgage, student loans, credit cards. These hold the car payment down: everything you owe each month, the new car included, is kept under 36% of gross income.
The deal
FINANCINGOwe more than the trade is worth and the shortfall rolls into the new loan, which comes straight off the car you can afford rather than off the payment.
Enter your gross monthly income to see what you can afford.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
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What will this car really cost?
Add up depreciation, fuel, insurance, and repairs — the real price of a car.
Should I finance or pay cash?
Weigh loan interest against what your cash could earn instead.
Should I lease or buy?
Compare the true cost of leasing or buying your next car.
Should I trade in or sell privately?
Compare a trade-in offer, with any sales tax it saves, against selling it yourself after costs, and see the private price you would need to come out ahead.