Money
Total car affordability calculator
Calculate what a vehicle may cost only after insurance, fuel, maintenance, taxes, existing commitments, and protected saving.
The finance payment is calculated only after the estimated running costs and protected saving are deducted.
Budget-based vehicle price estimate
$44,454.75
The estimated financed amount plus the deposit or trade-in entered.
Planning estimate only. Verify the cash price, APR, fees, balloon payment, insurance, taxes, maintenance, resale risk, and settlement rules before signing.
Plain-language method
The instalment is only one part of car affordability.
This calculator subtracts household expenses, existing debt, desired saving, and estimated vehicle running costs before sizing a fixed-rate loan. That prevents a small-looking instalment from hiding a large total transport cost.
MoneyHelper also recommends starting with the household budget and comparing upfront and monthly costs before selecting car finance.
Source: MoneyHelper car-finance guidance
Results update instantly and stay on your device. Review the assumptions above before relying on an answer.