Car Affordability Calculator in KSA
On SAR 3,000 a month in KSA, a car up to SAR 133,692 fits once fuel and upkeep are paid — 65% of the budget goes to the installment. Enter yours to see the cars that fit it.
Takes under a minute. No sign-up, no phone number.
Figures checked September 2026
How your budget is split
- Car finance
- 65%
- Fuel
- 20%
- Service & maintenance
- 15%
Cars are matched on the finance share — the installment we estimate for each car at standard terms.
Your budget, split three ways
See how the monthly budget splits between finance, fuel and maintenance — then the cars that fit.
For example, at SAR 3,000 a month
cars up to SAR 133,692
- Car finance
- SAR 1,950
- Fuel
- SAR 600
- Service & maintenance
- SAR 450
The results shown are estimates for guidance only. Actual monthly installments, fuel costs, service costs, maintenance costs, insurance, and finance approvals may vary depending on the car, provider, usage, and market conditions.
How to work out how much car you can afford
Enter your monthly budget
Tell us how much you are willing to spend every month on your car.
We split your budget
We estimate how much can go toward finance, fuel, service, and maintenance.
We show matching cars
We recommend cars where the expected monthly installment fits your budget.
Why we split your budget 65 / 20 / 15
Owning a car costs more than the monthly installment. This calculator starts from the total amount you are willing to spend every month — then splits it across finance, fuel, and maintenance so you can shop for cars that realistically fit your life.
A car's real monthly cost is the installment plus fuel plus keeping it on the road. Putting the whole budget into the installment is how people end up with a car they can finance but not run. The split reserves 65% for finance, 20% for fuel and 15% for service and maintenance — a middle ground between the classic 20/4/10 rule (all car costs under 10% of take-home pay) and the way lenders in KSA assess you: total repayments capped as a share of monthly income.
Three ways to size a car budget
20 / 4 / 10
down · years · of take-home pay
The classic rule
Put 20% down, repay within 4 years, and keep every car cost under 10% of take-home pay.
65 / 20 / 15
finance · fuel · service
The YallaMotor split
65% finance, 20% fuel, 15% service — of the monthly car budget you set, whatever your income.
33%
of monthly income
How lenders in KSA check you
All your monthly repayments together must stay under 33% of your monthly income — the debt-burden ceiling.
Not sure what your budget should be? Financial planners suggest keeping all transport costs to 10–15% of your income.
What does a monthly car budget have to cover?
The installment
The finance repayment itself — the share we match cars against, estimated for every car at the same standard terms.Fuel
Depends on your commute and the engine; electric cars have no fuel bill, which is why we match them against a bigger share.Service and maintenance
Scheduled servicing, tyres, and the small repairs that come with age and mileage.Not included
Insurance, registration and tolls sit outside the split — add them on top when you set your budget.
Frequently asked questions
What is a car affordability calculator?
Is this the same as a car finance calculator?
Does this use my salary?
Are the results exact?
Why does YallaMotor split my budget?
How much of my salary should go on a car?
Can I link straight to the cars for my budget?
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