Total Cost of Ownership Calculator
Calculate the true cost of owning a vehicle including hidden expenses.
Vehicle & Costs
Financing
Fuel & Energy
Priced in $/gal.
Annual Costs
Estimated value lost: $15,750
Total Cost of Ownership
$44,996over 5 years · Toyota RAV4
Monthly Cost
$750Annual Cost
$8,999Cost Per Mile
$0.67Total Miles
67,500AI Ownership Score
Ownership costs are about average. Reducing depreciation or fuel spend would help.
Cost Breakdown
Where Your Money Goes
AI Ownership Advisor
Your biggest ownership expense is depreciation at $15,750 (35% of the total). Focus your savings efforts here first.
Buying a 2–3 year old vehicle instead of new lets the first owner absorb the steepest depreciation, often saving thousands.
Your cost mix is well balanced, but always keep a small reserve for surprise repairs that no calculator can predict.
Reasonable to own, but compare it against a more efficient alternative before committing.
Ownership Cost Timeline
Cumulative cost across 5 years.
Monthly Expense Breakdown
Average cost per month by category.
Compare Two Vehicles
Estimated over 5 years at 13,500 mi/yr.
Vehicle A
Vehicle B
Best ValueKnow Before You Buy
The purchase price is not the true cost — fuel, insurance, and repairs often exceed it over time.
Depreciation is usually the single largest expense and drives long-term value.
A documented maintenance history directly lowers your future ownership cost.
Hidden vehicle problems — accidents, flood, odometer fraud — quietly increase every expense below.
Before buying, verify the vehicle history.
Accidents, title issues, and mileage problems can dramatically change ownership costs.