Car ownership cost calculator
Add up what a car really costs over the years you plan to keep it: depreciation, loan interest, insurance, maintenance, fuel or electricity and other running costs. See the cost for each year, the total and the cost per kilometre or mile.
Up to 30 ownership years, loan terms from 1 to 120 months, APR from 0 to 48 percent, yearly distance up to 1000000, consumption above 0 and up to 1000, energy prices up to 1000000000000 per unit with up to 6 decimal places, and other amounts up to 1000000000000 with no more than the selected 0 to 6 decimal places. Calculated locally in your browser. Downloads are a JSON report and a CSV with one row per year. This calculator reads the form fields below; there is no text box. Up to 1,000,000 characters. Review the settings before running.
Your result
How to use Car ownership cost calculator
- Enter the purchase price, down payment, loan APR and loan term.
- Enter how many years you will keep the car and its yearly depreciation rates.
- Enter yearly insurance, maintenance and other costs, and how much they rise each year.
- Enter your yearly distance, the car's fuel or electricity use and the price per unit.
- Review the yearly breakdown and totals, then download the JSON report or CSV.
Useful next steps
Method
Each year the car loses the depreciation percentage you enter of its value at the start of that year, and the last rate you enter repeats for later years. The loan is a level monthly payment schedule from the standard annuity formula (as in the Microsoft Excel PMT function documentation, checked 16 October 2026), computed exactly in minor currency units, with interest rounded each month and the final payment closing the balance. Insurance, maintenance, energy and other costs start at your first-year amounts and rise by your yearly increase.
Energy cost
Yearly energy use is your distance converted to the distance unit of the consumption figure, then multiplied by litres or kWh per 100 units, or divided by distance per gallon, litre or kWh. One mile is exactly 1609.344 metres (NIST Special Publication 811, Appendix B, checked 16 October 2026). The cost is that quantity times your price per unit, rounded once per year. The price per unit can have up to 6 decimal places, such as 3.459, whatever decimal places you choose for amounts.
Assumptions and limits
The total is depreciation plus loan interest paid within the ownership years plus running costs. A loan balance left at the end is repaid from the car value and is not counted as a cost. Rates, prices and costs are your own assumptions, not market data or a forecast, and taxes are only what you include in the prices.