Used Car Affordability Calculator – How Much Can I Spend?
Start from what you can comfortably pay each month and we'll work out the car price that fits, after leaving room for running costs.
Your budget
Share for your car
10-15% is a common guide
Running costs per month
Insurance, fuel, tax, servicing
Up to £8,969
A comfortable maximum car price for your budget.
Total monthly car budget
£375
Left for finance payments
£175
Maximum you could borrow
£6,969
A guide only, not financial advice or a credit decision. Lenders will run their own affordability checks.
Buying on finance? Check the car first
If a used car still has outstanding finance, the lender can repossess it - even from you. Our finance check shows if money is still owed, plus write-off, theft and mileage history.
How our finance check works →Frequently asked questions
How much should I spend on a car?
A common rule of thumb is to keep total car costs - payments, insurance, fuel and maintenance - to around 10-15% of your take-home pay.
Should I include running costs?
Yes. Insurance, fuel, tax and servicing can add hundreds of pounds a month, so budget for them before choosing a monthly payment.