What CRACTT weighs
Total transportation cost
Payment, insurance, fuel, maintenance, and registration as one number against income.
Loan term traps
Long terms lower the payment and raise the odds of being underwater.
Down payment leverage
How much cash down changes the rate, payment, and equity position.
Your other obligations
The ceiling moves with rent, debts, and savings goals.
FAQ
- Does this include used cars?
- Yes — the ceiling is a price, and CRACTT will suggest whether new or used fits it better.
More CRACTT tools
- Should I repair or replace my car?
- Should I buy or lease a car?
- Is this a good used car deal?
- Should I buy an electric car?
- When is the best time to buy a car?
- Should I buy it?