Cost of Ownership
25 calculatorsOwning a car costs far more than its sticker price. These calculators work out the true total cost of ownership — depreciation, fuel, insurance, servicing, tyres, finance interest and running costs — over however many years and miles you plan to keep the vehicle. Every figure is derived from the numbers you enter, so the result reflects your car, your mileage and your prices rather than a national average.
All Cost of Ownership calculators
- 5-Year Servicing Cost ProjectionProject total car servicing and inspection costs over 1–20 years with year-on-year inflation.
- Annual Depreciation Rate CalculatorCalculate the compound annual depreciation rate from original price, current value, and vehicle age.
- Balloon Payment CalculatorCalculate the final lump-sum payment on a balloon car loan from price, deposit, term and APR.
- Brake Replacement Cost Over OwnershipCalculate total brake pad and disc replacement costs over your ownership period based on mileage.
- Buy Now vs Wait CalculatorCalculate whether waiting for a price drop saves more than the cost of waiting incurs.
- Cost Per Km CalculatorCalculate your vehicle's running cost per kilometre from annual costs and distance driven.
- Cost Per Mile CalculatorDivide total annual vehicle costs by distance driven to find your true cost per mile.
- Cost Per Seat Per Mile (Carpooling)Calculate per-seat per-mile cost when sharing a vehicle across multiple passengers.
- Declining Balance Depreciation CalculatorCalculate car value using the declining-balance depreciation method over any number of years.
- Extended Warranty Break-EvenCalculate whether an extended warranty will save or cost you money over its term.
- Future Car Value CalculatorProject a vehicle's value after any number of years using compound depreciation.
- Insurance Cost ProjectorProject total insurance cost across ownership years using a compound annual change rate.
- Lifetime Cost of Car OwnershipMultiply years of driving by average annual car costs to see total lifetime expenditure.
- Loan vs Cash Purchase ComparisonCompare total cost of financing versus paying cash, including opportunity cost of invested savings.
- Loan vs Lease ComparisonCompare total cost of buying on finance versus leasing over different terms and buyout scenarios.
- Mileage Impact on Car ValueCalculate how extra miles reduce a vehicle's resale value using a per-mile depreciation rate.
- Negative Equity CalculatorCalculate whether you owe more on your car loan than the vehicle is currently worth.
- Optimal Time to Sell CalculatorFind the ownership year with the lowest average annual cost of depreciation plus maintenance.
- Service Plan vs Pay-As-You-GoCompare total cost of a prepaid service plan against individual service payments over the same period.
- Straight-Line Depreciation CalculatorCalculate annual depreciation using the straight-line method for any car purchase price and time period.
- Total Cost of Ownership CalculatorCalculate the full lifetime cost of owning a car, including depreciation and running expenses.
- Total Interest on Car LoanCalculate the total interest you'll pay over the life of your car loan from principal, APR and term.
- Trade-In vs Private Sale CalculatorCompare net proceeds from trade-in versus private sale after selling costs and hassle.
- Two-Car vs One-Car Household CostCompare the annual cost of running two cars against keeping one car plus alternative transport.
- Tyre Replacement Cost Over OwnershipCalculate total tyre replacement cost across your ownership period based on mileage and tyre life.