Car Reality Check.

Affordability, true monthly cost, and negative-equity timeline for one car purchase

The buyer Your monthly context
$
Vehicle & financing Blue block
$
$
$
$
EV rebates reduce the financed purchase amount in this simplified estimate.
Is this an Electric Vehicle (EV)? Switches fuel math to charging math and reveals EV incentives.
Running costs Green block
$
80%
Maintenance/year
$
Est. maintenance: -
True monthly cost includes loan payment, insurance, energy, and maintenance. It does not include parking, tolls, tickets, or registration.
After the reality check
Put the car into your full budget
Use your true monthly cost to see how the purchase fits beside rent, groceries, debt, and savings.
Open Budget Planner