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Car Total Cost of Ownership Calculator

Estimate the full cost of owning a car, with depreciation, loan interest, fuel, insurance, service, repairs and parking, plus annual, monthly and per-km cost.

Interest rates, prices, premiums and other defaults below are editable examples, not current market data. Replace them with your own quotes and current local prices.

Buying
Driving
Running costs
Selling

Smart result

Your estimate will appear here

—based on your details

Change any editable assumption, calculate, then review the steps, assumptions and limitations before deciding.

How this estimate works

The economic view adds depreciation, loan interest and fees for the months you own the car, and running costs. A separate cash-flow view adds every payment and subtracts sale proceeds; both give the same total, confirming nothing is double-counted.

Formula

  • Economic cost = (price − resale) + interest while owned + fees + fuel + insurance + service + repairs + parking
  • Cash-flow = down payment + fees + EMIs paid + loan balance at sale + running costs − resale
  • Cost per km = total ÷ (km per year × years)

Limitations

  • Resale value is your estimate.
  • Fuel and electricity prices are entered by you; no live price feed is used.
  • Taxes on fuel, tolls and fines are not modelled separately.

Data used

No official dataset is used. Every rate, price and premium is entered by you or is a labelled, editable assumption.

MethodologyData sourcesMy Decision Report

Related calculators

Car loan EMICalculate car loan EMI, total interest, total loan payments and cash outlay with a year-by-year reducing-balance schedule.Depreciation & resaleProject an illustrative year-by-year resale value from your own market estimate or an editable depreciation rate, with sensitivity to faster or slower value loss.Fuel trip costEstimate fuel or charging used, trip cost, tolls and cost per person for petrol, diesel, CNG or electric cars with the correct units for each.Car insurance estimateBuild a multiyear car insurance budget from editable planning assumptions and compare the real quotes you receive side by side.EV vs petrolCompare indicative ownership and running costs for an EV and petrol car.

Frequently asked questions

Why are there two views?+

The economic view shows what the car really costs you; the cash-flow view shows when money leaves and returns. They should match, which proves nothing is counted twice.

Can I use it for an EV or CNG car?+

Yes. Choose the fuel type and the units switch to km/kWh and ₹/kWh, or km/kg and ₹/kg.

How accurate is this car ownership cost estimate?+

It will provide an indicative estimate based on your inputs and the stated assumptions. Actual results can vary by location, equipment, tariff, and usage.

Can I use the result to make a purchase?+

Use it as a starting point, then confirm current prices, specifications, eligibility, and site requirements with a qualified provider.