buncha/finance/car-ownership

Car Ownership Cost Calculator

Sticker price is the smallest part of owning a car. Add depreciation, finance, fuel or charging, insurance, servicing, tyres and registration to see what it really costs — per year, per month, and per mile.

True cost to own · over 5 years

$40,197

Per year

$8,039

Per month

$670

Per mi

$0.67

Depreciation is your biggest cost — $15,000, about 37% of the total.

What does it run on?

The car

Purchase price

Years you'll keep it

Resale value at the end

Loses $15,000 (50%)

Finance

Deposit / trade-in

Interest (APR)

Loan term (yrs)

Interest over the loan: $4,702

Running costs · per year

Insurance

Registration / tax

Servicing

Tyres

Other (tolls, parking…)

Driving & fuel

Distance per year

Efficiency

mpg

Fuel price

$/gal

Fuel over 5 yrs: $6,996

Where the money goes

Total

$40,197

over 5 yrs

Depreciation37% · $3,000/yr$15,000

Finance interest12% · $940/yr$4,702

Fuel17% · $1,399/yr$6,996

Insurance19% · $1,500/yr$7,500

Servicing7% · $600/yr$3,000

Tyres3% · $250/yr$1,250

Registration / tax2% · $200/yr$1,000

Other2% · $150/yr$750

A planning estimate, not a quote. Depreciation, insurance and servicing vary by model, location and how you drive. For a single trip's fuel, use the Fuel Cost Calculator; to log real costs over time, the Mileage & Fuel Tracker. Everything runs in your browser — nothing is sent anywhere.

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About Car Ownership Cost Calculator

See the true cost of owning a car, not just the sticker price. Adds up depreciation, finance interest, fuel or charging, insurance, servicing, tyres and registration over how long you keep it — then shows the honest cost per year, per month and per mile, with a breakdown of where the money goes. Petrol, diesel, hybrid or electric.

Everything happens on your device. Close the tab and it's gone.