购车承受力计算器 — 公式
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.
计算示例
$500/month budget, 6.5% rate, 60 months, $3,000 down.
- Monthly rate = 6.5% / 12 = 0.5417%
- Max loan = $500 × (1 - 1.005417^-60) / 0.005417 = $25,557
- Max car price = $25,557 + $3,000 = $28,557