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.
Embed this calculator⌄
Paste this into your page — it works with no key and computes in the visitor's browser.
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