How much car can you afford, all-in?
Find how much car you can afford based on take-home pay, running costs, loan terms and down payment.
affordable price = (loan supported by remaining budget after running costs) + down payment
Why does the running cost estimate matter so much?
It comes straight out of your monthly budget before the loan payment is calculated — underestimating fuel, insurance, road tax, and maintenance means overestimating how much car you can really afford.
Does the affordable price include the down payment?
Yes — the affordable car price is the loan amount your remaining budget supports, plus whatever down payment you enter.