{"salary":35000,"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":0,"max_total_monthly_cost":292,"est_monthly_operating_costs":null,"est_monthly_payment":0},"comfortable":{"pct_of_gross_income":15,"max_vehicle_price":7000,"max_total_monthly_cost":438,"est_monthly_operating_costs":{"fuel":120,"insurance":100,"maintenance":60,"registration":20,"total":300},"est_monthly_payment":138},"aggressive":{"pct_of_gross_income":20,"max_vehicle_price":14500,"max_total_monthly_cost":583,"est_monthly_operating_costs":{"fuel":120,"insurance":100,"maintenance":60,"registration":20,"total":300},"est_monthly_payment":283}},"recommended_max_price":7000,"example_vehicles":[],"summary":"On a $35,000 salary you can comfortably afford a vehicle up to about $7,000 (purchase price), keeping total car costs at 15% of gross income. Conservative (10%): $0. Stretch (20%): $14,500.","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=35000","source":"Cash Pedal"}