At least 20% of income or $500 remains, added cost is at most 10% of income, six months of runway remain, and projected health is 70+.
Calculated on this device
FINANCIAL DECISION TOOL
Can I afford it?
Test the whole purchase against your real budget—not just the advertised payment.
01
The purchase
Adjust any number. Your analysis updates instantly.
02
Your current money picture
No ClearBudget plan found. Four numbers are enough to start.
SCENARIO COMPARISON
Your budget, before and after.
The purchase is isolated from your saved plan until you choose to apply it.
MetricCurrent budgetAfter purchase
Monthly expenses$3,200$3,610
Money remaining$1,800$1,390
Savings rate36.0%27.8%
Emergency runway3.1 mo1.8 mo
Debt burden7.0%12.7%
Budget Health Score68/10047/100
CLEAR METHODOLOGY
How ClearBudget decides what fits.
At least 10% of income or $200 remains, added cost is at most 15%, three months of runway remain, and projected health is 55+.
Cash flow stays non-negative, at least one month of runway remains, and projected health is 35+.
The scenario misses a Tight threshold—for example, it creates a deficit or leaves less than one month of emergency runway.
See the score and financing formulas
Financing uses the standard amortizing-loan formula. True monthly cost equals loan payment plus recurring costs. Upfront cash equals cash price or down payment plus one-time costs. Projected Budget Health begins with your current score, then deducts fixed, capped penalties for cash-flow impact, new debt burden, and emergency-runway loss. Reverse recommendations solve the same formulas for the maximum Comfortable monthly cost, loan principal, purchase price, and down payment.
This calculator provides estimates for planning and education. It is not personalized financial advice or a lending decision.