Keep or Replace? · Car decision calculator

Repair the car — or replace it?

Compare both options against your actual monthly budget before you spend thousands on a repair or sign a finance deal.

Takes about 2 minutes. Your free result shows what each option costs and how much money it leaves you each month.

Start with the numbers you already know. Estimates are fine — you can change them later.

Current car

Current estimated market value

What you'd realistically get selling it today.

€

Repair cost needed right now

€

Spent on repairs in the last 12 months

Context only — already-spent money is not added to future costs.

€

Estimated repairs over the next 12 months

€

Current car monthly running costs

Your average monthly cost to run the current car, excluding repair bills.

€

Monthly net income

€

Essential monthly living expenses

Rent, food, utilities, loans — excluding car costs.

€

Cash or savings available for the repair

€

Minimum monthly buffer you want to keep

The amount you want left each month after essential expenses and car costs.

€

How would you buy the replacement car?

Purchase price

For context.

€

Down payment

€

Monthly finance payment

€

Monthly insurance

€

Estimated monthly fuel cost

€

Monthly maintenance / tax reserve

€

Will you sell or trade in your current car?

Add your car's value, the repair cost, your income, essential expenses, current running costs and the replacement car's costs to continue.