Cost of Ownership Planner
Total Ownership Cost
A vehicle's sticker price is only the beginning. Here's what it may actually cost you to own — insurance, financing, maintenance, tires, and fuel — over the next few years.
Estimated 5-year cost of ownership
$70,760
About $14,152 per year · $1,179 per month
Vehicle purchase price$38,500
Total cost to own$70,760
Your total cost is 84% higher than the vehicle's sticker price alone.
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Estimates update instantly.
Years owned5 yrs
Annual mileage12,000 mi
Down payment$3,000
APR7%
Loan length60 mo
Fuel type
Cost breakdown · 5-year total
Purchase price
$38,500
What you pay the dealer.
Loan interest
$7,080
7.4% APR over 60 months.
Insurance
$8,406
National average full-coverage estimate.
Maintenance
$5,400
Oil, brakes, fluids, wear items.
Registration & fees
$2,310
Yearly registration and taxes.
Fuel
$7,714
12,000 mi/year, gas ~28 mpg.
Tire replacement
$1,350
Typical 40k-mile replacement cycle.
Total ownership cost
$70,760
≈ $14,152 per year.
Where your money goes
Interest · $7,080
Insurance · $8,406
Maintenance · $5,400
Registration · $2,310
Fuel / Charging · $7,714
Tires · $1,350
Before You Sign Insights
Financing runs high
You're on track to pay about $7,080 in interest — roughly 18% of the vehicle's price. A shorter loan or better APR could shave thousands off that number.
Long ownership pays off
Keeping this vehicle for 5 years lowers your average yearly cost to about $14,152. Depreciation is steepest in the first three years — you're past that.
Sticker price hides the real cost
This vehicle costs about 84% more to own than its purchase price suggests. Fuel, insurance, and financing quietly add up.
Estimates use national averages and typical driving patterns. Actual insurance, maintenance, and fuel costs vary by state, driver, and vehicle. Use these numbers to plan — not as a quote.