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
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Operating Costs
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True 5-Year Cost of Ownership
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updates as you type
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 →