JOEY is the personal AI sales system for the individual car salesperson. It keeps every lead warm, replies in your voice, and runs your outreach, calls, texts, emails, follow-up, and compliance in one place.

JOEY is for the individual car salesperson who wants to be the top performer at their dealership, not for the dealership itself.

Does JOEY work with my CRM?

Yes. JOEY works alongside the CRMs dealerships already use, including Tekion and DriveCentric, with no rip and replace.

Is JOEY TCPA compliant?

Yes. JOEY respects TCPA quiet hours and honors opt-outs automatically across every channel.

Deal Math

Payment to Income Checker

What does the Payment to Income Checker do?

Check a car payment against income the way a lender does and find the safe ceiling. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

Try it now

Payment to income checker.

See how a monthly car payment stacks up against income the way a lender does, and find the safe payment ceiling.

Monthly car payment

What you would pay each month

Gross monthly income

before taxes

Monthly car insurance

optional, set 0 to skip

Payment to income

12.2%

Healthy, right where lenders like it

Monthly payment: $550
Gross monthly income: $4,500
PTI ratio: 12.2%
With insurance: 15.6%
Payment ceiling at 15%: $675
Income needed at 15%: $3,667

Lenders generally like a car payment at or under 15 percent of gross monthly income and get cautious past 20 percent. This is a guide, not a credit decision.

How to use it

Enter your numbers or details in the tool above.
Read the result instantly, no signup and nothing to install.
Use it live with your customer to build trust and move the deal.

Common questions

What is the Payment to Income Checker?

Check a car payment against income the way a lender does and find the safe ceiling. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the Payment to Income Checker free?

Yes. The Payment to Income Checker is free to use with no signup. JOEY also offers a full personal sales assistant if you want it to work your follow-up for you.

Who is the Payment to Income Checker for?

It is built for the car salesperson who wants an edge, not for a corporate rollout. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

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Want JOEY to do the work for you?

These free tools are a taste. JOEY is a personal sales assistant that works your follow-up, texts, emails, and call prep so you sell more every day.

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