Keys & Cash Car Cost Calculator

1My budget

Experts say ALL car costs should be 10% or less of your gross pay. In this calculator, 15% is the ceiling.

Quick-fill with a Life Card:

Gross monthly payBefore taxes$Savings for a car$Credit level"No credit yet" uses Near prime ratesMonthly insurance$Monthly gas$Monthly upkeep$

Price$

Down payment$

Tax rate%Fees$

Fair price (optional)From KBB or Edmunds$Interest rateAuto-filled from rate table, editable%

Price$

Down payment$

Tax rate%Fees$

Fair price (optional)From KBB or Edmunds$Interest rateAuto-filled from rate table, editable%

Car A: enter your pay in Step 1 and a price in Step 2.

Car B: enter your pay in Step 1 and a price in Step 2.

Rates used

Last updated: spring 2026 · Experian averages · Source

Credit	New	Used	Used 48-mo per $1,000
Super prime (781+)	4.41%	6.29%	23.62
Prime (661–780)	6.15%	8.81%	24.79
Near prime (601–660)	9.71%	13.93%	27.29
Subprime (501–600)	13.52%	19.1%	29.95