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Total Cost of Ownership Calculator

Monthly payment is only part of the picture. Estimate the full cost of ownership over your chosen years.

Estimate only. Estimate only. Not a loan offer, lender quote, dealer quote, lease agreement, retail installment sales contract, DMV estimate, or financial advice. Actual rates, payments, taxes, fees, incentives, residual values, insurance, fuel, and maintenance costs may vary.

Total cost

$59,674.35

Monthly equivalent

$828.81

Estimated final value

$15,944.45

Breakdown

Financing$5,218.80
Depreciation$19,055.55
Insurance$10,800.00
Fuel/Energy$14,400.00
Maintenance$5,400.00
Repairs$3,600.00
Registration$1,200.00
Parking/Tolls$0.00
Total$59,674.35
Assumptions usedv2026-05-04
  • Ownership length6 years

How this is calculated

We sum financing costs (interest paid through the horizon), depreciation, insurance, fuel or energy, maintenance, repairs, registration, parking, and other costs to estimate total ownership cost.

Frequently asked questions

Why include depreciation?
Depreciation is often the biggest single cost of owning a car. Including it shows the real economic cost.

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