New Car Gate

A conservative, deterministic check on whether buying a new car looks appropriate right now. No model suggestions. No urgency. Your inputs → one outcome.

Deterministic rules

Conservative bias

No “you should”

Outcome tracking

Inputs

Choose the closest option. If you’re unsure, pick the more cautious answer.

Not run

Ownership horizon Commitment preference Annual mileage Vehicle criticality Income stability Emergency buffer High-interest debt Current vehicle reliability Repair uncertainty Downtime tolerance Warranty importance

This tool is intentionally conservative. It does not consider prices, APR, monthly payments, brands, or deals.

Outcome

Clear result, with plain-English why + next steps.

/new-car-gate

Why

We’ll explain which rules fired, in plain English.

Next steps

You’ll get non-salesy actions you can take (or ignore).

Audit view (what fired)

New Car Gate

Inputs

Outcome

Run the gate to see an outcome.

Why

Next steps