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Your real monthly payment — with sales tax, trade-in, and the total interest the dealership won't mention.
Amount financed: $32,275 (includes $2,275 in sales tax on the price after trade-in).
The 20/4/10 rule: put at least 20% down, finance for no more than 4 years, and keep total car costs (payment, insurance, gas) under 10% of your gross income. If the only way to afford the car is stretching to 72 or 84 months, it's the car that's too expensive — not the loan that's too short.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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