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By the way, note that insurance will be more expensive for you because you're much younger and haven't been driving before. I'm 48 years old, got my Japanese license in 2011 and have never had an accident (touch wood!). Apparently I get a 44% discount on insurance because of this.

@william3 Besides the car loan, which will depend on what car you end up buying, how much you pay as the deposit, and how many months you take to pay it back: Around ¥3500/month in fuel (for a Toyota hybrid, driving ~5000 km per year) Around ¥10-15000/month in toll roads Around ¥7000/month for...

@william3 I make less than you and I have similar expenses, and I'm able to afford a car that is more expensive than average. In central Tokyo your biggest expense will be a parking space. You'll be fine.