Repair or Replace Car
Today is Saturday 10th January 2026
Repair vs Replace?
Is your car a "keeper" or a "money pit"? Enter details below.
Disclaimer: This tool provides a mathematical estimate based on industry averages and the information you provide. ChangeCar.com accepts no responsibility for decisions made or financial losses incurred as a result of using this calculator. Because we cannot physically inspect your vehicle or verify its mechanical condition, results are illustrative only. The decision to repair or replace remains entirely with the owner. We strongly recommend obtaining an independent professional mechanical inspection before proceeding.
How Much Car Can You Really Afford?
Buying a car is a major commitment. Our tools help you decide between fixing your current vehicle or budgeting for a new one.
The 20/4/10 Rule
20% Down
Protects you from negative equity if car values drop.
4 Year Term
Keeps your total interest costs manageable.
10% Income
Max recommended monthly spend on all motoring costs.
Repair vs Replace Logic
Use the calculator above to check your Repair-to-Value Ratio. If a repair costs more than half of what the car is worth, replacing it is usually the smarter financial move.