Total Cost of Ownership Calculator

Estimate multi-year cost for owning a vehicle, including financing, fuel, recurring expenses, and expected resale value.

Years owned

Annual miles

Vehicle efficiency (MPG)

Fuel price ($/gallon)

Insurance ($/year)

Maintenance ($/year)

Registration + taxes ($/year)

Parking or storage ($/month)

Loan payment ($/month)

Loan term (months)

Upfront costs ($)

Expected resale value at sale ($)

Use conservative resale assumptions for realistic downside planning.
Annual maintenance can rise as vehicles age; run optimistic and conservative scenarios.
Cost per mile helps compare options across different vehicle types and ownership durations.