Can I afford this car?
Test whether a car fits your take-home pay before you sign finance paperwork
This is a free UK calculator. Enter your figures to get an instant, personalised result — no signup, no email capture, no upsell.
Frequently asked questions
What percentage of income should a car cost?
A common UK guideline is keeping total car costs (finance plus running costs) under 15–20% of take-home pay.
Does this include insurance and fuel?
Yes – affordability is about the all-in cost of running the car, not just the monthly finance payment.
What if I'm buying outright?
We still factor in depreciation as an opportunity cost so you can compare cash purchases against finance fairly.