The purchase price of a car is only one part of what it actually costs to own. This car ownership cost calculator combines your estimated loan payment, insurance premium, fuel costs, and depreciation into a single total, giving you a realistic picture of what a vehicle costs per month or per year to actually keep on the road. This is especially useful when comparing two different vehicles, since a cheaper car to buy isn’t always cheaper to own if it costs more in fuel or insurance.
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To build an accurate total, it helps to pull in numbers from a few other calculators first — your car loan calculator result for the monthly payment, your car insurance calculator estimate for premiums, and your car fuel cost calculator figure for typical driving costs. Once combined, you can compare that total against your income using our car budget calculator to see whether it fits comfortably into your overall finances.