Car Affordability by Net Worth
Browse our comprehensive guides to find out what car you can afford based on your net worth. Each page provides instant affordability calculations using conservative financial guidelines, showing you conservative (5%), safe (10%), and stretch (15%) budgets for your net worth level.
Select your net worth range below to see detailed affordability recommendations and budget breakdowns.
How We Calculate Affordability
Our net worth-based affordability guides use conservative financial guidelines that help you make responsible car-buying decisions without tying up too much wealth in a depreciating asset:
- Conservative (5% of net worth): Recommended for those prioritizing wealth building and financial security
- Safe (10% of net worth): A balanced approach that allows for a nice car without excessive spending
- Stretch (15% of net worth): The upper limit before car spending becomes financially questionable
These guidelines assume you're buying with cash. Cars are depreciating assets, so limiting your purchase to 5-15% of your net worth ensures you maintain financial flexibility and don't tie up too much capital in something that loses value over time.
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