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Car Affordability Calculator

Estimate how much car you can afford based on income, running costs, down payment, and loan terms.

Common questions

About this calculator

Should insurance and fuel count in affordability?

Yes. The payment is only one part of car cost. Running costs can make a cheap loan unaffordable.

Is a longer car loan better?

A longer loan lowers monthly payment but can increase total interest and negative equity risk.

The target car budget is a percentage of monthly take-home income.

Running costs are subtracted before estimating the loan payment capacity.

The affordable loan amount is converted to a car price by adding down payment and trade-in value.

Educational planning estimate. It does not replace an official calculation or individualized financial, tax, or legal advice.

Check whether a purchase fits your cash buffer and monthly budget.

Estimate Portuguese take-home pay with configurable IRS withholding and social security assumptions.

Estimate the monthly rent you can afford while keeping savings and other bills intact.