Can you actually afford it?
Enter your numbers. Get an honest verdict in seconds — no guesswork, no jargon, no signup required.
See the monthly cost to own the car, not just the payment, how it scores on the 20/4/10 rule and how 48, 60 and 72 months compare.
Enter income, debts, home price and rate. Get an instant affordability verdict with full payment breakdown.
List your cards and loans. See which one to pay first, your debt-free date and the interest avalanche vs. snowball costs.
Add all your plans and see which paycheck gets hit hardest, what share goes to BNPL and what a missed payment would cost.
See the cash you actually receive after fees, the real APR, and whether the loan beats the debt it would replace.
List your monthly payments. See your housing ratio, total DTI and the dollars left before 36% and 43%.
Why CheckAfford
Each tool answers its own decision: what a car really costs, which debt to pay first, which paycheck your BNPL plans hit hardest.
We use DTI guidelines commonly used by U.S. lenders (typically 36% to 43%) — not optimistic estimates that set you up to fail.
All calculations happen in your browser, and the figures you enter are never sent to our servers. We use Google Analytics to measure page visits — see our Privacy Policy.