✦ Plan a car buildStep 2 of 2
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
mi
Efficiency
mpg
Fuel price
$/gal
Fuel over 5 yrs: $6,996
Where the money goes
$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.
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