Calculadora de Capacidade de Compra de Veículo Grátis
Descubra quanto você pode gastar na compra de um carro com base na sua renda e orçamento. Evite comprometer demais suas finanças.
USD
%
USD
Max Loan Amount
$25,554
Max Car Price$28,554
Total Cost (payments + down)$33,000
Max Loan Amount vs Monthly Budget for Car Payment
Formula
Car Affordability Formula
Max Loan = Payment × [1 - (1+r)^-n] / r
Max Car Price = Max Loan + Down Payment
A common rule is to keep your car payment under 10-15% of your monthly take-home pay.
Exemplo Resolvido
$500/month budget, 6.5% rate, 60 months, $3,000 down.
- 01Monthly rate = 6.5% / 12 = 0.5417%
- 02Max loan = $500 × (1 - 1.005417^-60) / 0.005417 = $25,557
- 03Max car price = $25,557 + $3,000 = $28,557
Perguntas Frequentes
What is the 20/4/10 rule for car buying?
Put 20% down, finance for no more than 4 years, and keep total transportation costs under 10% of gross income.
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