Transportation calculator
Car Ownership Cost Calculator
Calculate the monthly and annual cost of a car by including payment, fuel, insurance, maintenance, registration, parking, and depreciation.
Privacy: Calculations run locally in your browser. This static version does not send your entries to a server.
Vehicle inputs
For a paid-off vehicle, depreciation can still be a major economic cost.
Estimated monthly ownership cost
$0
Full-cost estimate from your inputs.
Fuel$0
Maintenance$0
Fixed cash costs$0
Depreciation$0
Annual total$0
The model excludes financing interest already embedded in a loan payment, accident costs, and unusual repairs unless you add them through maintenance.
Why the payment is not the price
A monthly payment tells you how the purchase is financed. It does not capture the full cost of using and owning the vehicle. Fuel, insurance, repairs, tires, registration, parking, tolls, and depreciation can collectively rival the payment.
Use three scenarios
- Normal year: expected mileage and routine maintenance.
- Repair year: add a realistic major repair or deductible.
- Low-use year: reduce mileage but keep insurance, registration, and depreciation.