Get Expert Help with Your Car Budget and Affordability Questions

Our car affordability calculator factors in your income, existing debts, and the true cost of car ownership including monthly car costs, car insurance costs, fuel economy costs, and vehicle depreciation to show you realistic options.

The 20/4/10 rule car buying suggests putting 20% down, financing for no more than 4 years, and keeping total car running costs under 10% of gross income. It's a solid income based car budget guideline to avoid common car budgeting mistakes.

Yes! We help clarify all car finance options. PCP finance offers lower monthly payments with a final balloon payment, while hire purchase car loans spread the full cost evenly. Each affects your car purchase budget differently, and we can help you understand which suits your situation.

Consider the complete car budget guide picture: new vs used car decisions impact vehicle depreciation rates, car insurance costs, and maintenance expenses. Our vehicle affordability guide helps you evaluate all factors before deciding how to set car budget limits that work for your finances.