Work out vehicle purchase fund instantly with clear inputs, formula shown and shareable results.
Saving for a vehicle down payment needs the future on-road price, not today's, and a realistic upfront share. A larger down payment cuts both the loan and the interest, so the trade against saving longer is worth seeing explicitly.
Vehicle fund
Future price = price × (1+inflation)^years; monthly = target down payment / annuity factor
Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.
At least 20% to avoid negative equity, and more if you plan to sell within a few years.
For a horizon under three years, no. Capital certainty matters more than return on a near-term purchase.