{"salary":75000,"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":16500,"max_total_monthly_cost":625,"est_monthly_operating_costs":{"fuel":124,"insurance":104,"maintenance":62,"registration":21,"total":311},"est_monthly_payment":314},"comfortable":{"pct_of_gross_income":15,"max_vehicle_price":28500,"max_total_monthly_cost":938,"est_monthly_operating_costs":{"fuel":152,"insurance":133,"maintenance":82,"registration":26,"total":393},"est_monthly_payment":545},"aggressive":{"pct_of_gross_income":20,"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}},"recommended_max_price":28500,"example_vehicles":[{"year":2027,"make":"Ford","model":"Maverick","type":"truck","base_msrp":28145,"est_monthly_payment":534,"budget_tier":"comfortable"},{"year":2027,"make":"Kia","model":"K5","type":"sedan","base_msrp":27690,"est_monthly_payment":525,"budget_tier":"comfortable"},{"year":2027,"make":"Subaru","model":"Crosstrek","type":"suv","base_msrp":26995,"est_monthly_payment":512,"budget_tier":"comfortable"},{"year":2027,"make":"Honda","model":"HR-V","type":"suv","base_msrp":26600,"est_monthly_payment":505,"budget_tier":"comfortable"},{"year":2027,"make":"Hyundai","model":"Kona","type":"suv","base_msrp":25500,"est_monthly_payment":484,"budget_tier":"comfortable"},{"year":2027,"make":"Kia","model":"Seltos","type":"suv","base_msrp":24990,"est_monthly_payment":474,"budget_tier":"comfortable"},{"year":2027,"make":"Toyota","model":"Corolla","type":"sedan","base_msrp":23325,"est_monthly_payment":443,"budget_tier":"comfortable"},{"year":2027,"make":"Nissan","model":"Sentra","type":"sedan","base_msrp":22890,"est_monthly_payment":434,"budget_tier":"comfortable"}],"summary":"On a $75,000 salary you can comfortably afford a vehicle up to about $28,500 (purchase price), keeping total car costs at 15% of gross income. Conservative (10%): $16,500. Stretch (20%): $40,500.","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=75000","source":"Cash Pedal"}