Building Wealth

Car True Cost of Ownership Calculator

New cars lose 15–25% of value in year one. See your full 5-year cost including depreciation, insurance, fuel, maintenance, and financing — the numbers most dealers don't show.

Vehicle Details

Vehicle type

Purchase price ($)

Down payment ($)

Loan APR (%)

Loan term (months)

Operating Costs

Miles driven per year

Fuel efficiency (MPG or MPGe)

Fuel price ($/gallon or $/kWh×3)

Annual insurance ($)

Annual maintenance ($)

Sales tax rate (%)

True 5-Year Cost of Ownership

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updates as you type

Full Cost Breakdown

Data sources & methodology: Depreciation curves from Carfax/iSeeCars 2024 averages by vehicle type. New gas: 20% yr1, 15% yr2-5. Used gas: 12%/yr. EV: 22% yr1, 16% yr2-5. Loan interest using standard amortization. Fuel cost = (miles/MPG) × fuel price/yr. Maintenance from AAA Your Driving Costs 2024. Disclaimer →

🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see sources above) 🔄 Reviewed 2026 · methodology · disclaimer

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