United States · Auto

Total Car Ownership Cost Calculator

Estimate total vehicle ownership cost from depreciation, financing, fuel, insurance, maintenance, registration and other costs.

US units & dollarsRuns in your browserFormula & assumptions ↓

Your inputs

Your results

Enter your values and calculate to see the result.

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How this Total Car Ownership Cost Calculator works

This calculator uses the values you enter and transparent arithmetic to create a US-focused planning estimate. Defaults are examples, not quotes or guaranteed market values.

Formula and assumptions

The result uses only the displayed inputs. Financing tools use standard amortization math where applicable; EV tools use entered battery, efficiency, charging-power and electricity assumptions.

Use better inputs

For a realistic comparison, enter current lender quotes, local tax rates, actual vehicle value, measured efficiency, electricity prices and transaction fees. Run more than one scenario before making a purchase or refinance decision.

Important limitations

This tool is educational and is not a lender quote, dealer offer, appraisal, tax determination, engineering specification or financial advice.

Browse all US auto calculators.

How to use this calculator

  1. Set Purchase price (default 40000).
  2. Set Estimated resale value (default 20000).
  3. Set Total financing interest (default 4500).
  4. Set Annual fuel/charging cost (default 1800).
  5. Set Annual insurance (default 1800).
  6. Set Annual maintenance/repairs (default 1000).
  7. Set Annual registration/other fees (default 400).
  8. Set Ownership period (default 5).
  9. Select Calculate to update the result. Reset restores the starting values.

Planning estimate only. Taxes, fees, lender terms, battery performance, charging losses, vehicle condition and local rules can change actual results.

Maintained by the CalculatorsOnline Editorial Team. Read our methodology policy.