Free Calculator

Total Cost of Ownership
Calculator

3 steps. 60 seconds. The full truth about what any car will cost you over 5 years.

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Choose Your Country & Approach

Select your country first — costs vary significantly by location

Costs are adjusted based on local fuel prices, insurance rates, taxes & maintenance

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Fuel
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Insurance
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Tax / Reg
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Maintenance
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First, tell us what you can afford *
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Then, optionally refine with a budget or specific car
No signup required
Backed by millions of global data points
60 countries supported

Informational Use Only: All cost estimates and projections are for general informational purposes only and do not constitute financial, investment, or purchasing advice. Actual costs vary by location, individual circumstances, and market conditions. Prices may change without prior notice. Always consult a qualified financial advisor before making any vehicle purchase decision.

How It Works

Calculator Guide

Follow these three steps to get an accurate 5 year total cost of ownership estimate for any car, anywhere in the world.

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Step 01

Select Your Country & Approach

  • Choose your country from 60+ supported nations
  • Currency auto-switches to your country's local currency
  • You can still change the currency manually in the top navigation
  • Pick your approach: Budget, Specific Car, or Income-based
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Step 02

Enter Your Situation

  • Select your fuel type: Gasoline, Diesel, Electric, or Hybrid
  • Set your estimated annual mileage
  • Choose cash purchase or loan financing
  • If financing, enter your APR, down payment, and loan term
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Step 03

Review Your Full Cost Breakdown

  • See your 5-year total cost of ownership
  • Explore cost breakdown: depreciation, insurance, fuel, taxes & more
  • View depreciation curve and cash vs. loan comparison
  • Check affordability against the 15% income rule

Pro Tips

  • Use the "Specific Car" approach for the most accurate results — search from 10,000+ models.
  • Selecting a country automatically sets the local currency, but you can always change it in the header.
  • Electric vehicles can save significantly on fuel — the calculator shows you exactly how much.
  • The 15% rule: your total monthly car costs should not exceed 15% of your monthly take-home pay.
  • Exotic and hypercar categories include an optional appreciation value for collectible vehicles.

What's Included in the TCO

Depreciation
Insurance
Fuel / Charging
Maintenance
Financing / Interest
Taxes & Registration
Parking & Tolls
Country Adjustments