Know Before You Buy.
Calculate Your True Car Affordability.
Go beyond simple EMI calculations. Discover the real, long-term financial impact of owning a vehicle on your salary, savings, and investments.
Ownership Limit
Annualized TCO should be kept under 22% of your annual net salary to protect your savings.
Expose Hidden Costs
Fuel, maintenance, cleaning, tolls, and insurance make up 30-40% of the true cost. We show you all of it.
Dynamic Projection
Plot your salary increment rate against 6% inflated maintenance and fuel hikes to see your future burden.
Features Built For Smart Planners
No more guesswork. Get complete financial clarity before visiting the dealership.
Total Cost of Ownership (TCO)
Discover the real lifetime cost. We look past the EMI to compute fuel, maintenance, parking, tolls, and insurance over your entire ownership cycle.
Affordability Engine
Based on the 22% rule of Net Income. Get an instant, visual rating (Excellent, Affordable, Stretch, or Risky) for your budget.
Salary Growth & Inflation Projections
See how your purchase scales over 5-10 years. We compare your expected annual salary increments against rising inflated costs.
EV vs Petrol Comparison
Analyze electricity vs fuel savings, battery depreciation, and overall cost comparison over a 5 to 10 year lifespan.
Run Instantly: What-If Scenarios
What if you wait 6 months and increase your downpayment by ₹2,00,000? What if you purchase an EV instead of petrol, considering fuel costs of ₹110 vs ₹8/kWh? What if interest rates drop?
Run side-by-side simulations to optimize your loan tenure, down payment, and vehicle choice to save lakhs on interest.
Malwinder Singh
A passionate and results-driven Tech Lead specializing in Mobile, Web, and AI/ML development. He has led software teams to build robust products for global brands like Emerson and Omron, and is co-founding drone technology platform spdrone.tech.