Car Affordability Calculator
Car & BikeThe car your budget supports once running costs are counted, not just the EMI.
Runs entirely in your browser — nothing is uploaded
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Features
- Deducts fuel, insurance and servicing before the EMI.
- Works back from a share of income.
- Shows total monthly outgo as a share of income.
- Runs entirely in your browser — nothing you enter is uploaded.
How to use the Car Affordability Calculator
- 1Enter your income and the share you will give to the car.
- 2Add your down payment and expected running costs.
- 3Read the car budget that leaves.
Frequently asked questions
How much car can I afford?
Common guidance is to keep the total — EMI plus fuel, insurance and servicing — under 15–20% of take-home pay. Budgeting only the EMI is the standard mistake, because running costs often come to half the EMI again.
What running costs should I expect?
For a mid-size car driven 12,000 km a year: roughly ₹80,000 in fuel, ₹20,000–25,000 insurance and ₹10,000–15,000 servicing — around ₹9,000 a month before any EMI or depreciation.
Should I include depreciation in affordability?
Not in the monthly budget, since it is not a bill you pay — but it is a real cost and the largest one. Check the Car Depreciation tool to see what the purchase actually costs you over the years you own it.