Truck affordability calculator

Can you afford this dump truck?

Enter the truck price, your down payment, and your expected monthly gross. We'll show the monthly payment and whether it fits a healthy P&L.

Loan inputs

A working tandem grosses $18k–$25k/mo; tri-axle $22k–$32k/mo. Use a conservative number — your Q1 will be your lowest.

Monthly payment
$1142/mo
Green — comfortable
Payment fits well within a healthy P&L. Move forward.
Payment / gross
5.7%
Financed amount
$55,000
Total interest
$13503
Which truck should you actually buy?

Module 1 walks through the 47-point used inspection, financing options for sub-660 credit, and the specs that matter for your metro.

Enroll for $39
7-day refund
Rule of thumb

Truck payment under 12% of monthly gross is comfortable. 12–18% works if you have 6 months of reserves. Above 18% and one slow month puts you behind on the payment.

Related: Financing your first truck · Lease-to-own vs buy