See what car you can actually afford — without the regret
Get a clear monthly payment that fits your real budget and life.
$23k
max car price
Your comfortable monthly payment
What can you comfortably pay each month?
Down payment
+$4,000 down → adds $4k to your price range
Loan term
The most common auto loan term — comfortable payments, moderate interest.
Interest rate
National avg. ~7–9% for most buyers
This feels doable ✓
You can afford a car up to
$23,386
$450/mo
actual monthly payment
You could drive home a well-equipped compact SUV or crossover and still have breathing room each month. ✨
Total cost breakdown
$31k
total cost
Down pmt + trade-in
Your equity going in
$4,000
Loan principal
Amount financed
$22,457
Interest paid
Over 60 months
$4,543
Tax & fees
Upfront additional costs
$3,071
How it all adds up
Car purchase price
$23,386
Sales tax (8%)
$1,871
Dealer fees & registration
$1,200
− Down payment
−$4,000
Amount to finance
$22,457
+ Interest over 60 months
$4,543
Total cost of ownership
$31,000
Find auto loans that match this exact plan
We'll show you lenders offering rates near 7.5% — or better — for someone in your situation. No impact to your credit score.