Car Cost of Ownership Calculator
The sticker price is only the start. Add up the real monthly cost of owning a car — payment, insurance, fuel, and upkeep — to see what it truly takes out of your budget.
Your details
- Total cost per year
- $9,000.00
Where the money goes
- Loan/lease
- $400.0053%
- Insurance
- $150.0020%
- Fuel
- $120.0016%
- Maintenance
- $80.0011%
Formula
Total monthly cost = loan/lease payment + insurance + fuel + maintenance. Multiply by 12 for the annual figure.
How it works
Ownership costs often rival or exceed the car payment itself. Seeing the all-in monthly number helps you budget honestly and compare vehicles on total cost, not just the payment.
Frequently asked questions
What's the true cost of owning a car?⌄
Beyond the payment, budget for insurance, fuel, maintenance and repairs, registration, and depreciation. Together they often add up to as much as the loan payment again.
How much should I budget for maintenance?⌄
A common rule of thumb is around $100 a month, or roughly $0.05–0.10 per mile, rising as the car ages. Enter your own estimate for a more accurate total.
Does this include depreciation?⌄
No — this covers your cash outflows. Depreciation is a real cost too but isn't a monthly bill; factor it in separately when comparing new versus used.
Sources & methodology
Sum of the monthly costs you enter. Excludes depreciation, registration, and financing details unless included in the payment.
Also on your phone
Numveo Cars for Android
Car loan, lease, fuel, EV and ownership calculators — precise to the cent and fully offline, on the go.
Embed this calculator⌄
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