🚗 买车预算计算器Car Affordability Calculator
按收入用 20/4/10 原则（首付 20%、贷款 4 年、每月用车总支出不超过月收入 10%）估算买得起多贵的车，或按每月可承受的还款额、首付、利率和期限反推车价。Estimate how much car you can afford — from your income with the 20/4/10 rule (20% down, a 4-year loan, total monthly car costs within 10% of gross monthly income), or from the monthly payment, down payment, rate and term you can manage.
使用说明与常见问题How-to & FAQ
「买车预算计算器」是什么？What is the Car Affordability Calculator tool?
按收入用 20/4/10 原则（首付 20%、贷款 4 年、每月用车总支出不超过月收入 10%）估算买得起多贵的车，或按每月可承受的还款额、首付、利率和期限反推车价。Estimate how much car you can afford — from your income with the 20/4/10 rule (20% down, a 4-year loan, total monthly car costs within 10% of gross monthly income), or from the monthly payment, down payment, rate and term you can manage.
如何使用「买车预算计算器」？How do I use the Car Affordability Calculator tool?
在「买车预算计算器」中，填写「计算方式」、「税前年收入」、「用车总支出占月收入上限（%）」、「每月其他用车费用（保险、油费等）」、「首付比例（%）」等参数，结果会随输入实时计算并显示在下方。In the Car Affordability Calculator: Fill in "Method", "Gross annual income", "Car costs limit (% of monthly income)", "Other monthly car costs (insurance, fuel, etc.)", "Down payment (%)"; results are recalculated instantly as you type.
20/4/10 原则是什么？What is the 20/4/10 rule?
买车时首付至少 20%，贷款不超过 4 年（48 个月），每月用车总支出（还款 + 保险 + 油费等）不超过税前月收入的 10%。本工具按这三条反推可承受的车价：例如年收入 60,000、其他费用每月 250、利率 7%，约可买 13,050 的车。Put at least 20% down, borrow for no more than 4 years (48 months), and keep total monthly car costs — payment, insurance, fuel and so on — within 10% of gross monthly income. The tool works backwards from these: with 60,000 income, 250 a month of other costs and 7% APR, that's a car of about 13,050.
贷款金额怎么算？How is the loan amount found?
用等额还款的现值公式：贷款 = 月供 × [1 − (1 + r)^(−n)] ÷ r，r = 年利率 ÷ 12，n = 月数；利率为 0 时贷款 = 月供 × n。车价 = 贷款 + 首付。With the present-value formula for level payments: loan = payment × [1 − (1 + r)^(−n)] ÷ r, where r = APR ÷ 12 and n = months; at 0% the loan is payment × n. Price = loan + down payment.
销售税怎么处理？How is sales tax handled?
算出的车价视为含税的总价；填写税率后另给出不含税车价 = 含税价 ÷ (1 + 税率)。上牌、手续费等未计入。The price found is treated as the all-in price including tax; with a tax rate entered, the pre-tax price = price ÷ (1 + rate) is shown too. Registration and dealer fees are not included.
计算结果可以作为最终依据吗？Can I rely on the result?
「买车预算计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Car Affordability Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「买车预算计算器」免费吗？需要注册吗？Is the Car Affordability Calculator free? Do I need an account?
「买车预算计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Car Affordability Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.