The sticker price is only the beginning of what a car costs.
Enter your car, loan and running costs. See the true all-in monthly cost and lifetime opportunity cost.
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Your Parameters
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The Car
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Lifetime Opportunity Cost
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calculating…
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What This Really Means
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Full Breakdown
Purchase / financing
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Monthly loan payment
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Amount financed
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Running costs
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Total loan interest
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Monthly all-in
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Lifetime opportunity cost
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Common Questions
Should I pay cash or finance a car?
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If you can earn more investing the cash (e.g. 7%) than the loan APR (e.g. 3%), financing and investing the cash wins mathematically. At high APRs (7%+), paying cash is usually better.
What is a reasonable car budget?
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Many financial planners suggest keeping total vehicle costs under 10-15% of take-home pay. This tool helps you see if your car decision fits that threshold.
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Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Individual results will vary. Consult a qualified financial advisor before making financial decisions.