Car affordability calculator

Get a sense of what you can comfortably afford to spend on a car each month, and roughly what that means for the total price of a vehicle.

Your finances

Monthly take-home income

Existing monthly debt / loan payments

Deposit available

Desired loan term

Suggested budget

Total car-related budget (15–20% of take-home pay, minus existing debt)

£308 – £410 / month

Suggested monthly car payment

£179

Illustrative breakdown

Loan / finance payment£179
Insurance£72
Fuel£72
Maintenance & servicing£36

Estimated affordable vehicle price (deposit + finance, by APR)

8% APR£8,848
12% APR£8,312
16% APR£7,829

This is an estimate for guidance only and does not constitute financial or mechanical advice. It is not a loan offer, a quote, or a guarantee of finance approval. Real insurance, fuel and maintenance costs vary — get your own quotes before committing.

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