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Buy a Car the Smart Way

Skip the financial stress and know exactly what you can comfortably afford with the help of a budget.

How Much Should You Spend?

You want to buy a car, but it’s hard to know how much you should spend. And the car dealers? They’ll do everything they can to get you into the tippy top of your price range (or perhaps even beyond).

Some cars cost $5,000. Some cars cost $50,000. There are leases, loans, or some people pay in cash! Where do you find the magic number for you?

You Need a Budget—We All Do!

We’ll show you exactly how to know how much you spend on your car. But don’t just take our word for it. We’ve helped lots of people stress less about the cost of their cars—whether that’s paying off a car loan or knowing how much you should spend before you buy one.

“I make $40k/year and paid off a $20k car loan in two years.”

When Amanda purchased her car, she came up with an arbitrary number—because it felt like an adult-like number. Then, she was locked into a payment that didn’t feel quite so good. See how she refined her priorities and now drives a paid-for car.

  • I Didn’t Want a Car Payment Hanging Over My Head

    I purchased an expensive vehicle. And I took out a loan to do it. A $20,000 loan.”

    —Amanda Paid off in 2 years

Here’s How It Works

  • 1. Create a Budget in YNAB

    We have free workshops and resources to get you budgeting in no time.

  • 2. Prioritize Your Money

    We’ll help you set up a budget that reflects what is most important to you.

  • 3. Buy With Confidence

    Know what you can afford for a car without sacrificing your other life goals.

Drive your car, don’t let your car drive you.

Don’t let the pricetag on your car derail your financial progress. You can try YNAB free for 34 days. No credit card required.

Our Top Car-Buying Articles

  • How to Save Time & Money When Buying a Car

    Skip the haggle-a-thon with the dealer: we’ve got four ways you can save your most valuable resources when making a car purchase.
  • How to Pay Off Your Car Loan Fast

    There’s no rule that says you have to have a car payment forever. See how to find more money for your loan payoff and debt-free goals with YNAB.
  • How Much Car Can I Afford?

    Eyeing that epic sunroof and dreaming of remote start? Learn a sneaky powerful way to determine if you can actually afford that new car.

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