Can We Actually Afford This? | Affordability Decision Spreadsheet

Want it? Fine. Now let’s see if the numbers agree.

Can We Actually Afford This? is an interactive affordability decision spreadsheet for expensive purchases like cars, holidays, weddings, home improvements, furniture, tech and other financially ambitious ideas.

Instead of only asking whether you can make the payment, it compares Buy Now vs Save First vs Finance It and shows what each route does to your monthly cash flow, emergency savings and overall cost.

• Headline price vs real first-year cost
• Hidden one-off and ongoing cost tracker
• Monthly income and spending reality check
• Emergency-buffer impact
• Buy Now affordability verdict
• Save First timeline and monthly target
• Finance payment and estimated total finance cost
• Green / Amber / Red route verdicts
• Scenario Lab showing what needs to change to improve affordability
• Supports €, $ and £

Digital spreadsheet download. No physical product is shipped.

This is a budgeting and decision-support tool, not financial advice or lending approval. Interest calculations and provider fees are estimates and may differ from real offers.