Automotive / Vehicle Ownership

Total Cost of Vehicle Ownership (5-10 Year)

Purchase Price

Down Payment

Interest Rate (%)

Loan Term (years)

Miles Per Year

MPG

Gas Price ($/gallon)

Insurance ($/month)

Maintenance ($/year)

Registration ($/year)

What's Included: TCO includes all costs of owning a vehicle: depreciation, fuel, insurance, maintenance, loan interest, and registration.

Cost Categories:

Depreciation: Usually the largest cost. Vehicles lose ~20% first year, 15% years 2-5, 10% years 6-10
Fuel: Varies with driving habits and gas prices
Insurance: Decreases slightly over time as vehicle value drops
Maintenance: Increases with age (tires, brakes, major services)
Loan Interest: Cost of financing the purchase
Registration: Annual fees and taxes

Typical Costs:

Note: This calculator uses industry-average depreciation rates. Actual depreciation varies by make, model, and market conditions.

See Also