Vehicles › Vehicle Affordability Calculator
Vehicle Affordability Calculator
Explore a vehicle budget using your income, existing monthly debt and a repayment percentage you choose.
Your details
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PLANNED PAYMENT
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EST. FINANCED AMOUNT
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EST. VEHICLE PRICE
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What this estimate means
The calculator uses your chosen percentage of take-home income, subtracts existing debt repayments and converts the remaining amount into an illustrative financed amount.
Running costs such as fuel, insurance, maintenance, tyres, licensing and depreciation are not included in the repayment figure. A vehicle budget should consider those costs separately.
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Frequently asked questions
What does vehicle affordability include?
The estimate uses the income, existing debt, payment percentage, finance rate, term and deposit you enter.
Are fuel and insurance included?
No. Those are ownership costs outside the finance-payment estimate.
Is the percentage a lender rule?
No. It is an explicit planning assumption that you choose.