Car TCO Calculator | Total Cost of Ownership & Depreciation
Calculate the true cost of owning a car over 5 years with our car TCO calculator. Factor in monthly financing, depreciation, fuel, insurance, and maintenance costs instantly.
⚡ Quick Start Vehicle Archetypes (Templates)
Vehicle Settings
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5-Year Total TCO
$29,797.17
Equivalent Monthly Cost
$496.62/mo
Cost Per Mile / KM
$0.40
Warranty Coverage Shield Active: Since this is a brand-new vehicle, standard factory warranties shield you from early repair costs. The calculator has automatically deducted $637.00 from your maintenance bills during the first 3 years.
5-Year Capital Breakdown
Vehicles bleed value from multiple points. Here are the 5-year consolidated totals for each pillar.
Depreciation (Value loss)-$11,604.07
Fuel & Charging-$8,750.00
Insurance Premiums-$6,725.54
Maintenance & Tires-$1,967.56
Loan Interest Paid-$0.00
Registration & Taxes-$750.00
Resale Value after 5 years (Equity Retained)$11,395.93
Consolidated Dead Loss Percentage45.5%
📉 Equity Valuation Decay (5-Year Value retention)
$23,000Buy
$18,400Yr 1
$15,640Yr 2
$13,763Yr 3
$12,387Yr 4
$11,396Yr 5