ZERO! Car payments are stupid and new car payments even more so. Cars are financial cancer. Buy the best you can in CASH and drive the wheels off of it. Never mind the fact that new cars are genuine garbage that are intentionally designed not to be serviceable by their owners (serialized parts, right to repair). Too late now, but don't do it again. Some of the wealthiest people you will ever meet are driving 15 year old Hondas ;)