Vehicle Total Cost of Ownership Calculator
Add up the full annual cost of owning a car, including finance, fuel, insurance, servicing, registration and depreciation.
Your results
Calculation breakdown
- Total
- Total = finance + fuel + insurance + servicing + registration + depreciation
Worked example
Adding $9,000 finance, $2,200 fuel, $1,400 insurance, $900 servicing, $800 registration and $4,500 depreciation gives a total annual ownership cost of about $18,800.
Assumptions
- Depreciation is a real economic cost even though not paid in cash.
- Figures should reflect your own vehicle's actual or estimated costs.
How this calculator works
Combine your annual loan repayments, fuel, insurance, servicing, registration and estimated depreciation to see the true total cost of owning your vehicle for the year. This gives a fuller picture than purchase price alone when comparing vehicles or deciding whether to keep, upgrade or sell.
Frequently asked questions
Why include depreciation if I'm not selling?
Depreciation is a real economic cost of ownership even if not paid in cash, and including it gives a fair comparison against alternatives like leasing or public transport.
Should I include fuel or electricity costs?
Yes, include whichever applies to your vehicle; use the Fuel Economy or EV Range calculators to estimate your annual energy cost first.
Can I compare two vehicles with this?
Yes, run the calculator once per vehicle using each one's expected costs to compare total annual ownership cost side by side.
Results are estimates only and are not financial, tax, legal or credit advice.