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Can I afford this car?

Four numbers give you a verdict. Add a few more and you'll see what the car does to your savings, your goal and your net worth over the next ten years.

Worked out on this page. Nothing you type is sent or saved.

Rent, utilities, food, insurance, phone — everything except the car.

Assumed until you add them: a 60-month loan at 6.9% APR and €180 a month in running costs.

  1. 1 · Quick answer
  2. 2 · More accurate
  3. 3 · Exact, in Fyncora →
Comfortable
All in, the car costs you€457a month, all in18% of your take-home pay · €593 left after bills and the car
Loan payment
€277
Running costs
€180
Interest over 60 months
€2,593
Your net worth over the next ten yearsSavings plus the car's value, minus the loan
In 10 yearsWith the car€87,350Without it€126,000
  • With the car
  • Without it
Hover or tap the chart to read a point
Show the numbers
YearWith the carWithout it
Today€0€0
1€6,850€12,600
2€14,278€25,200
3€22,235€37,800
4€30,683€50,400
5€39,593€63,000
6€48,835€75,600
7€58,257€88,200
8€67,831€100,800
9€77,536€113,400
10€87,350€126,000

Ten years on, the car leaves you €38,650 poorer.

Try instead

  • A car €2,000 cheaper€417 a month€40 a month less
  • Put €2,000 less down€496 a monthKeeps more of your savings
  • Spread it over 72 months€418 a month€544 more interest in total

Keep this plan

Create your account and Fyncora sets it up for you: a savings goal for the down payment and a budget for the car payment. You check every number first.

Kept on this device for 7 days, until you sign up. Nothing is sent before that.

Level 3 — exact, in Fyncora

Fyncora keeps this answer true.

Save the car as a goal with its own budget. Fyncora checks it against your real accounts and bills every month — and tells you early if the car starts to squeeze.

Start 30 days freeSee it with sample data30 days free, then from €2.50 a month, billed yearly
How this is worked out
  • The loan payment uses the standard fixed-rate formula: the same payment every month until the loan is paid.
  • “Tight” means the car takes more than a fifth of your take-home pay, or leaves less than three months of bills in savings. “Doesn't fit” means your month no longer closes.
  • The ten-year line adds what you keep each month to your savings, counts the car at 15% less value every year, and subtracts what's left on the loan. No interest on savings, no inflation.
  • Running costs are yours — we don't estimate fuel, insurance or tax.
  • Guidance, not financial advice. The same calculation runs inside Fyncora on your real numbers.