Calculadora Consertar ou Trocar Carro
PROTome decisões baseadas em dados sobre consertar ou trocar o carro com análise de Custo Total de Propriedade, cálculos de break-even e consciência de custo afundado.
Exemplo de Uso
Tenho um Honda Civic 2012 com 260 mil km valendo uns R$25k. O câmbio quebrou e a oficina quer R$14k pra consertar. Gastei R$2.500 em outros reparos esse ano. Devo consertar ou comprar um novo?
Como Usar Este Skill
Copiar o skill usando o botão acima
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Preencha suas informações abaixo (opcional) e copie para incluir com seu prompt
Envie e comece a conversar com sua IA
Personalização Sugerida
| Descrição | Padrão | Seu Valor |
|---|---|---|
| My current repair estimate | 0 | |
| My vehicle market value | 0 | |
| My monthly replacement cost | 500 | |
| My insurance increase | 50 | |
| My months life extension | 6 | |
| My past year repair total | 0 |
Transform stressful car repair decisions into confident, data-driven choices. This skill applies professional financial analysis frameworks—the 50% Rule, Monthly Payment Equivalent, Break-Even Analysis, and Total Cost of Ownership calculations—to determine whether repairing your current vehicle or purchasing a replacement is the smarter financial move.
Who This Is For
- Vehicle owners facing expensive repair bills (transmission, engine, major systems)
- Budget-conscious drivers wanting to avoid emotional decisions
- Gig economy workers (Uber, Lyft, delivery) whose income depends on vehicle reliability
- First-time car buyers learning to evaluate automotive expenses
What You’ll Get
- Multiple financial frameworks applied to your specific situation
- Clear break-even calculations showing exactly how long a repair must last
- Sunk cost awareness to avoid the “I’ve already spent so much” trap
- Replacement vehicle guidance if the numbers favor buying
- Psychological factor assessment for reliability anxiety and peace of mind
Fontes de Pesquisa
Este skill foi criado usando pesquisa destas fontes confiáveis:
- AAA Your Driving Costs 2024 The industry standard for calculating true cost of driving, including depreciation, fuel, and maintenance (avg. $12,182/year in 2024)
- Kelley Blue Book 5-Year Cost to Own Methodology and award list breaking down ownership costs for benchmarking replacement cars
- Edmunds: Fix It or Trade It? Comprehensive guide covering repair math, tax credits, and insurance implications
- Consumer Reports: When to Give Up on Your Car Reliability data and rule-of-thumb advice on when a car becomes a money pit
- NerdWallet: Should I Fix My Car or Buy a New One? Financial perspective with calculator-style approach to monthly payments vs. repair bills
- Investopedia: Sunk Cost Fallacy Explains the psychological trap critical for objective car decisions
- CarMD Vehicle Health Index Data on average repair costs for different issues by make and model
- Reddit r/PersonalFinance Discussion Real-world application of the 50% rule and monthly payment equivalent math