Automotive · Free tool
Total Cost of Ownership Calculator
5-year total car cost: loan + fuel + insurance + registration + maintenance + depreciation. Per-mile breakdown.
Total cost of ownership (5 years)
$42,293
Car is worth about $13,363 at the end.
Cost per year
$8,459
Cost per mile
$0.70
| Category | Total | % of total |
|---|---|---|
| Depreciation loss | $18,637 | 44.1% |
| Fuel | $7,393 | 17.5% |
| Insurance | $7,000 | 16.6% |
| Loan interest paid | $5,664 | 13.4% |
| Maintenance | $2,700 | 6.4% |
| Registration | $900 | 2.1% |
You’d still owe $0 on the loan after 5 years.
Your loan term (5 yrs) is longer than how long you plan to own the car — selling early means paying off the remaining balance from resale proceeds.
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What it does
Sticker price lies. This shows the real 5-year cost including fuel, insurance, maintenance, and depreciation — and breaks it down per mile.
Runs entirely in your browser — no upload, no account, no watermark. For more tools in this category see the full tools index.
Embed this tool on your siteShow snippetHide
Paste this snippet into any page. Loads on-demand (lazy), no tracking scripts, and sized to most dashboards. Replace the height to fit your layout.
<iframe src="https://freetoolarena.com/embed/total-cost-of-ownership-calculator" width="100%" height="720" frameborder="0" loading="lazy" title="Total Cost of Ownership Calculator" style="border:1px solid #e2e8f0;border-radius:12px;max-width:720px;"></iframe>How to use it
- Enter all ownership inputs.
- Set years to own.
- Read grand total + per-mile.
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