The timing belt keeps the engine’s valves and pistons in step. If it snaps on many engines, the damage can be severe and expensive.
Many belts are due at about 60,000 to 105,000 miles (100,000 to 170,000 km) or 5 to 10 years, whichever comes first. The manual gives your car’s figure. Some engines use a timing chain instead, which usually has no scheduled replacement.
On what’s called an interference engine, a broken belt lets the pistons hit the valves. That can mean a rebuilt or replaced engine. Replacing the belt on schedule is far cheaper.
The water pump is usually driven by the same belt, and the labor overlaps. Many shops replace both together.
Look in the owner’s manual or ask a garage with your license plate. Chains last much longer but can still wear.
On a car with a belt and a history you can’t confirm, many mechanics suggest replacing it to be safe.
General guidance, not professional advice. Intervals are typical ranges and vary by car, so check your owner’s manual and ask a qualified mechanic if you’re unsure.