Vehicle Total Cost of Ownership Calculator

Estimate the complete cost of keeping a vehicle, not only its payment.

Method and required inputs

Include depreciation, financing, insurance, fuel, maintenance, repairs, registration, taxes, and expected mileage. Compare vehicles over the same ownership period and mileage.

Total ownership cost combines depreciation, financing, insurance, fuel or energy, maintenance, repairs, tires, registration, taxes, parking, and other expected costs over a defined ownership period. Subtract expected resale value only once.

Read the complete result

Compare vehicles over the same years and mileage. A lower purchase price can be offset by rapid depreciation, insurance, fuel, repairs, or financing. Separate cash outflow from economic cost when a noncash depreciation estimate is included.

Run a stress case

Stress annual mileage, fuel price, repair frequency, insurance, and resale value. Include a major repair case for older vehicles and an early-sale case when negative equity could matter.

Limits and verification

Actual costs depend on location, driver, vehicle condition, warranty, use, financing, and market value. The estimate does not guarantee future resale value or mechanical reliability.

This calculator is educational, not a quote, approval, guarantee, tax opinion, or individualized recommendation. Confirm material figures, current rules, and actual product terms before acting.

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