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What car can you afford? The 20/4/10 rule: 20% down, 4-year loan, payment ≤10% of gross income. Enter your income, down payment, and terms to see your max car price. Free, no signup.
Max monthly payment
$600
Max car price
$35,301.2
Max loan amount
$30,301.2
Down payment
$5,000
At $72,000/year with 10% rule: max payment $600/mo. With $5,000 down,5-year loan at 7%: max car $35,301.2.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
FinCalc AI
Suggested questions:
The 20/4/10 rule: put 20% down, finance for no more than 4 years, and keep the payment at or below 10% of your gross income. For $72,000/year, that's $600/month max—which at 7% for 5 years supports about a $30,000 loan. Add your down payment for max car price.
20% down payment, 4-year loan max, payment ≤10% of gross monthly income. It prevents overspending on a car and keeps total transportation costs manageable. Adjust for your situation—some use 15% of income.
Financial experts recommend no more than 10–15% of gross monthly income. At $6,000/month gross, that's $600–900. Include insurance and maintenance in your total car budget—they can add 50–100% to the payment.
A larger down payment reduces the loan, monthly payment, and total interest. It also helps if the car depreciates faster than you pay it off (negative equity). Aim for at least 20% to align with the 20/4/10 rule.
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