Free calculator
Car Ownership Cost Calculator
Free Car Ownership Cost Calculator with instant browser-based results and a clear calculation breakdown.
🚗 Car Ownership Cost Calculator
Calculate your total annual and monthly car ownership expenses
Purchase & Financing
Operating Costs
Total Annual Cost of Ownership
$0
Monthly Cost
$0
Annual Cost Breakdown
Loan Payment (Principal + Interest)
$0
Fuel Costs
$0
Insurance
$0
Maintenance & Repairs
$0
Registration & Fees
$0
Total Annual Cost
$0
How this is calculated:
Monthly Loan Payment: Calculated using the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n - 1], where P is the loan amount (purchase price - down payment), r is the monthly interest rate, and n is the number of months.
Annual Fuel Cost: (Miles per year ÷ MPG) × Gas price per gallon
Total Annual Cost: Sum of annual loan payments, fuel, insurance, maintenance, and registration fees.
Note: This calculator provides estimates based on your inputs and does not include depreciation, parking fees, tolls, or other variable costs.
Monthly Loan Payment: Calculated using the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n - 1], where P is the loan amount (purchase price - down payment), r is the monthly interest rate, and n is the number of months.
Annual Fuel Cost: (Miles per year ÷ MPG) × Gas price per gallon
Total Annual Cost: Sum of annual loan payments, fuel, insurance, maintenance, and registration fees.
Note: This calculator provides estimates based on your inputs and does not include depreciation, parking fees, tolls, or other variable costs.
Want to understand the calculation?
Read the guideSee examples, formula notes and limitations.