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💰 Car Affordability Calculator

Find out how much car you can afford based on your monthly income and expenses. Get personalized budget recommendations for Uganda.

Your Financial Profile

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Your Affordability

20/4/10 Rule
USh 18,000,000
Based on 20% down, 4-year loan, 10% of monthly income

Maximum Affordable

Car Price: USh 24,000,000
Loan Amount: USh 19,000,000
Monthly Payment: USh 550,000
Down Payment Needed: USh 5,000,000
Monthly Income: USh 5,000,000
Current Expenses: USh 2,000,000
Car Payment: USh 550,000
Remaining: USh 2,450,000
Debt-to-Income Ratio: 51% Safe limit: 50%

Recommended Cars in Your Budget

Popular cars in Uganda within your price range

20% Down

Put at least 20% down to avoid negative equity

4-Year Loan

48 months is the sweet spot for interest vs. payment

10% Rule

Car payment shouldn't exceed 10% of monthly income

Other Costs to Consider

Monthly Running Costs

  • • Fuel: USh 300k - 500k
  • • Insurance: USh 150k - 400k
  • • Maintenance: USh 100k - 200k
  • • Parking: USh 50k - 150k

One-Time Costs

  • • Registration: USh 500k - 1.5M
  • • Inspection: USh 100k - 200k
  • • Tracking: USh 300k - 500k
  • • Tinting: USh 200k - 400k

Annual Costs

  • • Insurance: USh 1.5M - 3M
  • • Road license: USh 200k - 500k
  • • Service: USh 500k - 1M

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