Car Affordability Calculator
See the maximum car price you can actually afford based on your income, expenses, and down payment. Avoid overspending and protect your budget.
Your Budget & Loan Terms
We'll calculate your max safe monthly payment and convert it into a maximum car price.
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Enter values above and click "Calculate" to see your results.
Budget for your next car
Pocket Clear lets you track gas, insurance, maintenance, and loan payments all in one place.
Car Costs Beyond the Loan
The loan payment is only part of owning a car. Budget for these recurring expenses before stretching for a higher-priced vehicle.
| Expense | Typical Monthly Range (US) |
|---|---|
| Fuel / Gas | $120 - $300 |
| Auto Insurance | $90 - $250 |
| Maintenance & Repairs | $50 - $150 |
| Registration & Fees (amortized) | $10 - $50 |
| Parking & Tolls | $0 - $200 |
| Depreciation (for budgeting next car) | $150 - $400 |
| Typical Total (non-loan) | $420 - $1,350 |
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