New Car

That sticker price on the windshield? That's just the beginning. Between insurance, registration, gas, maintenance, and more, the true cost of buying a car is way more than the monthly loan payment. This template breaks down all the expenses that come with any car, new or used. Pro tip: Practice setting aside the full monthly total for a few months before you buy to see if you can really swing it.

Notes

This template is based on Hannah's YouTube video "What Your Car ACTUALLY Costs You Each Month" and includes category recommendations from the YNAB community and team. The sample amounts are based on a vehicle in the $15,000-$25,000 range, but adjust them to fit your car, driving habits, and location.

Template Features

Example amounts included
Set and track category targets
Fully customizable

Preview

ReadMe!
- 📋 About This Template
New Car
- 🚗 Car Purchase
  
  $22,500.00
- 💰 Down Payment
  
  $10,000.00
- 🏦 Car Loan Payment
  
  $250.00
- 📜 Car Warranty
  
  $1,500.00
- 🛡️ Insurance
  
  $100.00
- 💵 Deductible
  
  $1,000.00
- 📋 License & Registration
  
  $20.00
- ✅ Safety/Emissions Inspection
  
  $10.00
- 🔧 Maintenance & Repairs
  
  $150.00
- 🛞 Tires
  
  $1,000.00
- ⛽ Gas
  
  $150.00
- ⭐️ Accessories
  
  $250.00
- ✨ Personalization
  
  $50.00
- 🔄 Subscriptions
  
  $40.00