Cost of Ownership Calculator (car)
Estimate total car ownership cost from payment, insurance, fuel, maintenance, registration, and depreciation.
- Last reviewed
- July 8, 2026
- Cost
- Free to use
- Data
- Runs in your browser
Monthly Ownership Cost
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Annual Ownership Cost
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5-Year Ownership Cost
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Monthly Cost Before Loan
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Methodology
How this calculator handles inputs
This calculator uses the values you enter above and applies the formula explained in the guide below. Results update in the browser and are intended for quick planning, comparison, and sanity-checking.
- Use consistent periods, currencies, and units across inputs.
- Review any assumptions before using the result in a decision.
- Recalculate when rates, prices, tax rules, or business terms change.
Guide
How it works
Use this calculator to estimate the full monthly, annual, and five-year cost of owning a car.
What this calculator does
The car cost of ownership calculator adds loan or lease payment, insurance, fuel, maintenance, registration, taxes, and depreciation.
Formula
Monthly ownership cost = payment + insurance + fuel + maintenance + registration + depreciation
How to use it
Enter each monthly cost category. If you do not have an exact number, use a realistic monthly estimate.
Common mistakes
- treating the loan payment as the full cost
- leaving out depreciation
- underestimating maintenance on older vehicles
FAQs
Should depreciation be monthly?
Yes. Divide expected annual depreciation by 12 for a monthly estimate.
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