01
Real monthly cost
Payment, insurance, fuel and maintenance are combined into one number you can actually budget around.
FREE CAR AFFORDABILITY CALCULATOR
The payment is not the real price.
See what a car will actually cost you every month after financing, insurance, fuel, maintenance, taxes and fees.
Check my car →Free · no account needed
✓ No signup✓ Takes about 60 seconds✓ Built for real-world costs
RUN THE NUMBERS
Can you actually afford this car?
Change any number and your results update instantly.
QUICK ESTIMATE
~30 secStart with just 5 things.
You can fine-tune taxes, insurance and driving costs later.
Loan term
Using estimates for$186/mo insurance · 1,000 mi/mo · 25 MPG · 6.5% tax
Change these below if neededAdvanced detailsTrade-in, taxes, insurance, bills & driving costs⌄
Purchase details
Monthly budget
Driving assumptions
LOAN COMPARISON
See what stretching the loan really costs.
Same car, same APR, same down payment — only the term changes.
WHAT IF?
Three ways to make this deal cheaper.
Preview the impact, then apply a scenario to your calculator.
$2,000 lower price$43 less / month
$431 less interest
$2,000 more down$40 less / month
$405 less interest
APR 2 points lower$31 less / month
$1,853 less interest
FULL BUYER REPORT
Before you spend thousands, get the full picture.
The free calculator handles the monthly math. The paid report is being built to help you inspect, finance and negotiate the actual purchase.
$7.99one-time report
YOUR BUYER REPORT🔒 PREVIEW
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48 / 60 / 72 / 84-month financing breakdown
LOCKED✓
$1K / $2K / $3K negotiation scenarios
LOCKED✓
Dealer fee & out-the-door checklist
LOCKED✓
Vehicle-specific inspection checklist
LOCKED✓
Recall and safety-data summary
LOCKED✓
Questions to ask before signing
LOCKEDWHY THIS IS DIFFERENT
A payment calculator only tells you half the story.
02
Income impact
See exactly how much of your take-home pay the vehicle consumes after your existing bills.
03
Long-term cost
Compare loan terms, total interest and five-year ownership cost before committing to a long loan.
TOOLS & GUIDES
Start with the question you are actually asking.
Focused calculators for payments, ownership cost, affordability and loan-term comparisons. Every tool can feed into the full calculator.
AFFORDABILITY
See all tools & guides →How much car can I afford?
Compare a car's real monthly cost with your take-home pay.
Open guide →PAYMENTCar payment calculator
Change price, APR, down payment and term without filling out a long form.
Open tool →OWNERSHIPTrue cost calculator
See payment, insurance, fuel and maintenance together.
Open tool →FINANCING60 vs 72 months
See how a lower payment can change the total interest bill.
Compare terms →