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Car Affordability
Find your maximum car price and DTI impact based on income, existing loans and estimated fuel costs.
Your Income & Debts
Annual Gross Income $70,000
$
$20K$500K
Monthly Debt Payments (excl. car)
$
Auto Loan Details
Loan Term
Interest Rate 6.50%
%
0.9%20%
Down Payment $3,000
$
$0$30K
Trade-In Value
$
Running Costs
Estimated Annual Fuel Cost
$
Annual Insurance (estimate)
$
Annual Maintenance
$
Car Affordability Results
Maximum Car Price
$0
Based on 15% DTI rule
$0
Max Car Payment
0%
Total DTI After Car
$0
Total Loan Cost
$0
True Monthly Cost
DTI Rules
Car Payment
$0
Other Debts
$0
Running Costs (mo)
$0
Remaining Income
$0
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Affordability Verdict
Calculating...
💡
True monthly cost: Add loan payment + fuel + insurance + maintenance. Many buyers only think about the loan payment — ignoring $300-500/month in running costs that make an "affordable" car unaffordable.
Get Pre-Approved Before You Shop
Knowing your rate before the dealership gives you negotiating power.