🚗 Car Ownership Cost Calculator
Calculate the true cost of owning a vehicle over time
Including purchase price, financing, depreciation, fuel, insurance, maintenance, and more
💵 Purchase Costs
🏦 Financing
⚙️ Operating Costs
📅 Ownership Period
Total Cost of Ownership
Ownership Cost Table
| Cost bucket | Amount | How to read it |
|---|---|---|
| Upfront cost | $38,200 | Vehicle price plus tax, registration, and dealer fees. |
| Annual operating cost | $4,350 | Fuel, insurance, maintenance, and yearly registration renewal. |
| Depreciation | $20,000 | Purchase price minus expected resale value. |
| Monthly net cost | $825 | Net ownership cost spread across the full ownership period. |
| Cost per mile | $1 | Net ownership cost divided by total miles driven. |
Purchase Breakdown
Financing Summary
Annual Operating Costs
Depreciation
💡 Cost-Saving Tips
About This Calculator
Calculate the complete cost of owning a car including purchase price, financing, depreciation, fuel, insurance, maintenance, and repairs over 3-7 years.
Frequently Asked Questions
What costs should I include in total car ownership cost?
Include the purchase price, sales tax, dealer fees, loan interest, fuel, insurance, maintenance, registration renewals, depreciation, and expected resale value.
Why is cost per mile useful?
Cost per mile turns every ownership expense into one comparable number, which helps you compare vehicles, commute plans, and annual mileage assumptions.
How should I estimate depreciation?
Use the difference between today's purchase price and the resale value you expect at the end of the ownership period.
Mike is a software engineer with a background in applied mathematics. He develops and maintains SuperCalc's engineering, conversion, and math utility calculators.
- M.S. in Applied Mathematics, MIT
- Former quantitative developer
- 6 years building computational tools