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Calculadora · EE. UU.

¿Qué auto puedo pagar?

Compara el costo total de un auto con tus ingresos y gastos.

Tus datos

¿Qué auto puedo pagar?

Compara el costo total de un auto con tus ingresos y gastos.
EIA WEEKLY GAS

Texas: $3.806/galTexas weekly average · EIA · Sep 14, 2026 · A newer release is expected

$Después de impuestos y deducciones. No es el sueldo bruto.
Sets the energy price
$The number you are quoted. We do not look up market prices.
Trade-in, fees and running costs

Every one of these has a working default. Fill in the ones you know.

$Cash you hand over at signing
$Optional. Credited like a down payment, but not cash.
$Optional. Added to the amount financed.
%Your quoted rate. There is no car-loan rate feed here.
mesesUse 0 for a cash purchase
millas
MPG
$/ galónLeave blank to use the EIA average
$/ mesYour premium. The starting number is a placeholder, not a quote.
$/ mesA budget you choose, not a service schedule.
$/ añoOptional. State fee tables are not modeled.

Total estimated monthly car cost

$895.5622.4% of monthly take-home pay · loan payment alone is 13.4%

On our affordability guideline this lands in the Risky range: the whole vehicle or the payment is above 20% and 15% of take-home pay, which is the top of our range. A lender may still approve it.

Those percentages are CostAnswer planning thresholds on take-home pay, not a lender decision and not a rule that fits every household.

That verdict still uses our planning defaults for insurance and upkeep. Enter your own quote to make this yours.

Cut the price by about $15,000, or put that much more down, to reach the comfortable range with these running costs.

Loan payment$534.63$27,000 financed
Fuel$135.9312,000 miles a year ÷ 12
Insurance, upkeep, fees$225.00$150.00 + $75.00 + $0.00
Yearly cost$10,747Depreciation not included
Cash at signing$5,000Pago inicial
Left each month$3,104.44Take-home minus this car
Cost per mile$0.896Everything except depreciation
Total interest$5,078$32,078 paid over the term
Comfortable-range priceabout $17,000Our guideline: ≤ 15% of take-home

Fuel: EIA regular-gasoline average for Texas (Texas weekly average), Sep 14, 2026.

Cómo lo calculamos
  1. Monthly loan payment$27,000.00 financed over 60 months at 7%$534.63
  2. Fuel each month428.6 gal per year at $3.806 ÷ 12$135.93
  3. Insurance, upkeep, registration$150.00 insurance + $75.00 upkeep + $0.00 registration$225.00
  4. Total monthly vehicle cost$10,747 a year. Depreciation is not included.$895.56
  5. Share of take-home pay$4,000.00 take-home per month · loan payment alone is 13.4%22.4%
  6. Cash at signingDown payment.$5,000.00
Supuestos del cálculo
  • This is a planning screen on take-home pay, not a lender approval, a quote, or advice to buy a particular car.
  • The vehicle price is the number you type. This tool has no dealer, book-value, or market-price feed.
  • This is cash out of pocket. Depreciation and resale value are not included, so it is not a full total-cost-of-ownership figure.
  • Comfortable, Stretch and Risky are our own labels for bands on take-home pay: comfortable keeps the whole vehicle at or under 15% and the loan payment alone at or under 10%, stretch still fits 20% and 15%, and anything above that is the top of the range. They are planning thresholds, not a lender decision and not a rule that fits every household.
  • The rate is a nominal annual interest rate, not APR. There is no car-loan rate feed here, so the rate is whatever you type. Origination and prepaid finance charges are left out.
  • Financing assumes 60 equal monthly payments with interest compounded monthly.
  • Taxes and fees are a single amount you type. Registration is the yearly amount you type. State and county vehicle tax schedules are not modeled.
  • Insurance and upkeep are only the numbers you enter. The starting values are placeholders, not quotes, and real premiums and repair bills vary widely by driver, vehicle, and coverage.
  • Fuel uses a published EIA regular-gasoline average for your state or region. That is not the price at a specific station.
  • Real MPG changes with speed, weather, terrain, and load.
  • Take-home pay is the monthly amount you entered. Nothing about your taxes is estimated here.
Detalles técnicos

Method car-affordability-v1.0.0Data eia-gasoline-regular-weekly-2026-09-14-v1

¿Discrepancia en los números? Puedes hacer clic en Informar de un resultado incorrecto abajo o escribir a hello@costanswer.com con las líneas de Método y Datos.

Guía

¿Cuánto auto puedo pagar? (La regla 20/4/10 para comprar vehículo)

CostAnswer editorialIndependent calculator publisher

Determina el precio máximo de compra y el pago mensual prudente para un automóvil sin desestabilizar tus finanzas familiares, aplicando la regla financiera 20/4/10.

La regla 20/4/10 explicada

Esta regla sugiere: aportar al menos un 20% de pago inicial (down payment), financiar el auto por un plazo máximo de 4 años (48 meses), y limitar los costos totales del vehículo (cuota, seguro y gasolina) a no más del 10% de tus ingresos brutos mensuales.

Preguntas frecuentes sobre esta calculadora

¿Por qué se desaconseja financiar un auto a 72 u 84 meses?

Los préstamos a 6 o 7 años suelen generar que el saldo de la deuda supere el valor de mercado del auto (estar "underwater" o con capital negativo) debido a la rápida depreciación del vehículo.

Términos utilizados

Regla 20/4/10
Pauta financiera de compra automotriz: 20% de enganche, 4 años de plazo de préstamo y no más del 10% del ingreso en transporte.
Capital negativo (Negative equity)
Situación en la que se debe más dinero por el préstamo del vehículo de lo que el auto vale en el mercado.

Consejos prácticos

Cotiza el seguro del modelo antes de comprar: un auto deportivo o de gama alta puede duplicar tu prima de seguro mensual.

Límites y advertencias

Pauta orientativa de prudencia financiera; las tasas y términos finales dependen de tu puntaje crediticio FICO.

Los resultados son meramente informativos. No constituyen asesoramiento legal, fiscal, médico ni financiero. Cómo mantenemos los cálculos · Informar de una cifra incorrecta.

Notas del cálculo

Detalles sobre redondeos, versiones y límites del cálculo.

  • Total monthly cost, not just the payment. The loan payment uses the same fixed-rate amortization as the loan and mortgage tools, on whatever is left after the down payment and trade-in. Fuel or charging reuses the same energy math as EV vs. Gas. Insurance, upkeep, and registration are added at the amounts you enter. Yearly figures are the monthly total times twelve.
  • The number first, then our guideline. The headline is the calculated monthly cost and what share of take-home pay it is. Only after that do we place it on our own guideline: comfortable keeps the whole vehicle at or under 15% of take-home pay and the loan payment alone at or under 10%, stretch still fits 20% and 15%, and anything above that is the top of the range. Two caps are used on purpose so a long term cannot hide an expensive car behind a small payment. These percentages are CostAnswer planning thresholds on take-home pay, not a lender decision and not a rule that fits every household.
  • How much car, and the gap. The comfortable, reasonable, and aggressive prices are the inverse of the same payment math: running costs come out of the budget first, and the payment factor turns what is left back into a price. Because the model is linear, the amount this car sits above the comfortable price is also exactly the extra down payment that would close the gap.

Datos del cálculo

De dónde sale cada cifra

The arithmetic is decided by your inputs. Official data only supplies a starting value, and anything you type replaces it.

VERIFIEDIRS and state revenue departments
Only a starting value. A figure from your own bill or quote replaces it and is used instead.
OBSERVEDEIA retail electricity · June 2026
Only a starting value. A figure from your own bill or quote replaces it and is used instead.
OBSERVEDEIA weekly gasoline · Sep 14, 2026
Only a starting value. A figure from your own bill or quote replaces it and is used instead.
MODELEDThe budget bands and running-cost allowances
Comfortable, reasonable and aggressive, plus the default maintenance, insurance and registration amounts, are CostAnswer thresholds rather than a dealer or lender decision. Your own insurance quote and service history beat all of them.
USER ENTEREDA figure you enter
A figure you typed. It replaces our default and is used exactly as given.

Fuentes

De dónde vienen los datos

U.S. Energy Information Administration (gasoline)Source: U.S. Energy Information Administration, weekly retail gasoline prices, regular all formulations. Snapshot eia-gasoline-regular-weekly-2026-09-14-v1.EIA · Sep 14, 2026 ↗U.S. Energy Information Administration (electricity)Source: U.S. Energy Information Administration, Form EIA-861M monthly estimates. Snapshot eia-electricity-residential-2026-06-v1. Home charging only; public fast charging is priced separately by the network.EIA · June 2026 ↗IRS federal tax schedulesUsed only when take-home pay is estimated from a salary. Snapshot us-tax-2026-v1. Unsupported states show a federal-and-FICA-only estimate.Tax year 2026 ↗Consumer Financial Protection BureauHow car loans, terms, and dealer financing work. This tool does not apply any CFPB threshold as a pass or fail.Official guidance ↗

A continuación

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