Car Ownership Cost Calculator
See the true monthly and yearly cost of owning your car — depreciation, fuel, insurance, maintenance and loan interest. Enter your numbers — the full breakdown appears instantly.
Cost breakdown
How to use
- Enter the car price, your down payment and choose loan or cash purchase.
- Enter your monthly fuel, insurance, yearly maintenance and how many years you will keep the car.
- The true cost per month, per year and per km appears instantly with a cost breakdown.
Note: Depreciation is estimated at 15% of remaining value per year. This is an estimate, not a valuation.
Tips
- Depreciation is usually the biggest cost — buying a 2 to 3 year old car cuts it sharply.
- Compare cost per km before buying; a cheaper car can be expensive to run.
- Regular maintenance lowers the maintenance and depreciation lines together.
Frequently Asked Questions (FAQ)
What is true cost of ownership?
It is the full cost of owning a car over time: depreciation plus fuel, insurance, maintenance and loan interest, not just the purchase price.
How is depreciation estimated here?
The tool assumes the car loses 15 percent of its remaining value each year, which is a simple planning estimate.
Should I include loan interest?
Yes, if you finance the car. Select loan mode, enter the rate and term, and the tool adds total interest to your ownership cost.
What purchase modes are supported?
Loan with interest, and cash purchase with no interest.
How many years can I plan for?
Enter your expected years of ownership to spread the total cost over the full period you keep the car.