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How much car can you afford?

Everyone's budget is different, and only you can decide what works for your situation. Use this calculator to see how price, payment, and loan length fit together.

These are estimates. Your actual rate, taxes, and fees will differ. Nothing you type here is sent anywhere.

What do you want to figure out? What will my payment be? How much car fits my payment?

All fields are required. Enter 0 where something doesn't apply.

Auto price ($)

The price before taxes and fees, after any dealer discount.

Monthly payment I'm comfortable with ($)

Loan term (months)

24 36 48 60 72 75 84

Interest rate (APR, %)

Down payment ($)

Use the rate from your own bank or credit union, or your best estimate.

Trade-in value ($)

Amount owed on trade-in ($)

Sales tax rate (%)

Title, registration, and other fees ($)

Texas resident? Use 6.25%, the state motor vehicle tax rate.

Tax applies to the price minus my trade-in value (Texas does this) Include taxes and fees in the loan

What matters most in your next car?

Answer eight quick questions and I'll show you what to think about before you shop. It takes about two minutes, and you don't have to share any contact info to see your results.

What to think about

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JoeBryCarGuy LLC provides independent advisory and coaching services to car buyers. It is not a dealership. It does not sell or buy vehicles, hold your money for a purchase, or sign documents on your behalf, and it does not accept payment of any kind from dealerships. Guidance is general information, not legal or financial advice, and no specific price or savings is guaranteed.