Cost to Own Calculator
Calculate the true cost of owning your specific vehicle. AI-powered estimates for depreciation, insurance, fuel, maintenance, and financing.
Select Your Vehicle
Year, make, model, and price.
AI Analyzes Costs
Based on your specific vehicle.
See True Costs
Complete ownership breakdown.
What's Included in Cost to Own?
Every major expense of vehicle ownership, calculated.
Complete Cost Breakdown
See exactly where every dollar goes over your ownership period.
Depreciation Included
The biggest cost of ownership, often overlooked by buyers.
Fuel Cost Projection
Based on your actual driving habits and current gas prices.
Insurance Estimates
Average premiums based on your specific vehicle.
Maintenance Forecast
Scheduled service and expected repair costs.
Financing Costs
See how interest adds to your total investment.
The True Cost of Ownership
The sticker price is just the beginning. Over 5 years, you'll spend 50-70% of the purchase price on depreciation, insurance, fuel, maintenance, and financing. Understanding these costs helps you make smarter buying decisions.
Depreciation is #1
For most vehicles, depreciation accounts for 40-50% of total ownership costs. Trucks and SUVs depreciate less; luxury sedans depreciate most.
Fuel Adds Up Fast
At 15,000 miles/year and $3.50/gallon, a 25 MPG vehicle costs ~$2,100/year in fuel. A 40 MPG hybrid drops that to ~$1,300.
Compare Before You Buy
A $30,000 car with high costs-to-own can easily exceed a $35,000 car with lower running costs over 5 years.