{"salary":80000,"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":18000,"max_total_monthly_cost":667,"est_monthly_operating_costs":{"fuel":127,"insurance":107,"maintenance":65,"registration":21,"total":320},"est_monthly_payment":347},"comfortable":{"pct_of_gross_income":15,"max_vehicle_price":31000,"max_total_monthly_cost":1000,"est_monthly_operating_costs":{"fuel":155,"insurance":139,"maintenance":87,"registration":27,"total":408},"est_monthly_payment":592},"aggressive":{"pct_of_gross_income":20,"max_vehicle_price":44000,"max_total_monthly_cost":1333,"est_monthly_operating_costs":{"fuel":175,"insurance":171,"maintenance":113,"registration":33,"total":492},"est_monthly_payment":841}},"recommended_max_price":31000,"example_vehicles":[{"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"},{"year":2027,"make":"Kia","model":"Sportage","type":"suv","base_msrp":28990,"est_monthly_payment":550,"budget_tier":"comfortable"},{"year":2027,"make":"Toyota","model":"Prius","type":"sedan","base_msrp":28755,"est_monthly_payment":546,"budget_tier":"comfortable"},{"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"}],"summary":"On a $80,000 salary you can comfortably afford a vehicle up to about $31,000 (purchase price), keeping total car costs at 15% of gross income. Conservative (10%): $18,000. Stretch (20%): $44,000.","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=80000","source":"Cash Pedal"}