Car Affordability Calculator — How Much Car Can You Afford?

How much car can you ACTUALLY afford? Not what the dealer says — what your budget says.Dealers will approve you for way more than you should spend. This calculator works from your budget, not your credit limit. See the true monthly cost including insurance, gas, maintenance, and depreciation.What's included:• Maximum affordable car price calculator (based on YOUR budget)• Monthly payment estimator (loan amount, rate, term)• True cost of ownership breakdown (not just the payment)• New vs Used comparison• Lease vs Buy analysis• Insurance cost estimator• 5-year total cost projectionCalculated automatically:✓ Max Affordable Price | ✓ Monthly Payment✓ Total Interest Paid | ✓ Insurance Estimate✓ Annual Fuel Cost | ✓ Maintenance Budget✓ Depreciation (first 5 years) | ✓ True Monthly Cost✓ % of Income Going to CarThe 20/4/10 rule built in:• 20% down payment• 4-year loan maximum• 10% of gross income maximum for total car costsWorks with Microsoft Excel (2016+), Google Sheets, and LibreOffice Calc.Perfect for: First-time car buyers, anyone upgrading, budget-conscious buyers who want real numbers.

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