Critical CrossroadsCapital Allocation Sizer
“Repair or Replace?” — Financial Decision Engine
Facing a massive repair estimate (e.g. clutch, engine overhaul, suspension, or gearbox)? This engine compares the true financial drain of repairing vs purchasing a replacement vehicle over a 1 to 3 year horizon.
Repair & Vehicle Economics
Decision Recommendation
🛠️ Repairing Appears Cheaper
Under these financial assumptions, repairing your vehicle saves approximately ₹1,96,700 over the next 2 years compared to the steep depreciation and loan interest of a new car.
Option A: Repair & Keep₹1,85,000
Option B: Sell & Replace₹3,81,700
The Golden 50% Rule of Thumb:
If an immediate repair bill exceeds 50% of the vehicle's market value, automobile economists recommend selling rather than repairing, as older vehicles experience cascading failures in adjacent components.