{"salary":100000,"assumptions":{"mode":"buy","state":null,"down_payment_pct":20,"loan_term_months":48,"apr_pct":6.5,"annual_miles":13500},"budgets":{"conservative":{"pct_of_gross_income":10,"max_vehicle_price":24500,"max_total_monthly_cost":833,"est_monthly_operating_costs":{"fuel":143,"insurance":123,"maintenance":75,"registration":24,"total":365},"est_monthly_payment":468},"comfortable":{"pct_of_gross_income":15,"max_vehicle_price":40500,"max_total_monthly_cost":1250,"est_monthly_operating_costs":{"fuel":170,"insurance":163,"maintenance":106,"registration":32,"total":471},"est_monthly_payment":779},"aggressive":{"pct_of_gross_income":20,"max_vehicle_price":55500,"max_total_monthly_cost":1667,"est_monthly_operating_costs":{"fuel":205,"insurance":216,"maintenance":141,"registration":40,"total":602},"est_monthly_payment":1065}},"recommended_max_price":40500,"example_vehicles":[{"year":2027,"make":"Hyundai","model":"Palisade","type":"suv_large","base_msrp":39735,"est_monthly_payment":754,"budget_tier":"comfortable"},{"year":2027,"make":"Jeep","model":"Grand Cherokee","type":"suv_large","base_msrp":39520,"est_monthly_payment":750,"budget_tier":"comfortable"},{"year":2027,"make":"Kia","model":"Telluride","type":"suv_large","base_msrp":39190,"est_monthly_payment":744,"budget_tier":"comfortable"},{"year":2027,"make":"Subaru","model":"BRZ","type":"sports","base_msrp":36140,"est_monthly_payment":686,"budget_tier":"comfortable"},{"year":2027,"make":"Hyundai","model":"Ioniq 5","type":"ev_suv","base_msrp":35250,"est_monthly_payment":669,"budget_tier":"comfortable"},{"year":2027,"make":"Hyundai","model":"Santa Fe","type":"suv_large","base_msrp":35050,"est_monthly_payment":665,"budget_tier":"comfortable"},{"year":2027,"make":"Honda","model":"CR-V","type":"suv","base_msrp":31520,"est_monthly_payment":598,"budget_tier":"comfortable"},{"year":2027,"make":"GMC","model":"Terrain","type":"suv","base_msrp":30400,"est_monthly_payment":577,"budget_tier":"comfortable"},{"year":2027,"make":"Kia","model":"Niro","type":"suv","base_msrp":29890,"est_monthly_payment":567,"budget_tier":"comfortable"},{"year":2027,"make":"Chevrolet","model":"Equinox","type":"suv","base_msrp":29000,"est_monthly_payment":550,"budget_tier":"comfortable"}],"summary":"On a $100,000 salary you can comfortably afford a vehicle up to about $40,500 (purchase price), keeping total car costs at 15% of gross income. Conservative (10%): $24,500. Stretch (20%): $55,500.","methodology":"Total monthly car cost (payment + fuel + insurance + maintenance + registration) is capped at 10/15/20% of gross monthly income; operating costs are subtracted and the remainder is converted to a vehicle price using standard amortization (or a lease residual/money-factor model). Estimates only, not financial advice.","calculator_url":"https://cashpedal.io/affordability?salary=100000","source":"Cash Pedal"}