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Free car-cost tools, guides & dealers near you — straight from your home screen. No app store needed.
The purchase price is the small part. Depreciation, fuel or charging, insurance, servicing, tax and loan interest are where the money really goes. This calculator adds all of it up for the US, UK, Canada, Australia, Ireland and New Zealand, in your own currency and units, so you see one honest number before you buy.
Depreciation is usually the biggest cost of all. It is the value your car loses while you own it, and you never see it as a bill, which is exactly why people miss it. Enter the share of value you expect to lose over the years you keep the car.
Fuel or electricity is worked out from your real distance and efficiency. The tool handles US MPG, UK imperial MPG, litres per 100 km and EV consumption automatically based on the country you pick.
Insurance, servicing and tax are yearly figures multiplied across the period. New Zealand drivers of EVs and diesels should include Road User Charges in the tax field.
Finance interest is the extra you pay on a loan, calculated with a standard monthly amortisation. Leave the APR at zero if you are paying cash.
Every default is an editable estimate, not a quote for a specific car. Replace them with your own numbers and current local prices for an accurate result. The tool does the maths only, in your browser. It stores nothing and sends nothing.
Free car-cost tools, guides & dealers near you — straight from your home screen. No app store needed.