Free automotive calculators
Know what your car really costs.
Transparent planning tools for buying, financing and owning a car. Explore costs beyond the sticker price and monthly payment — no signup required.
Example · $35,000 sedan, 5 years
Loan payment
$651
True monthly cost
$806
That's $0.81 for every mile you drive.
Five tools. The full financial picture.
True Cost of Ownership Calculator
Depreciation, fuel, insurance, interest and upkeep — the full monthly picture.
Car Affordability Calculator
A realistic price range based on your income, debts and running costs.
Open calculatorCar Payment Calculator
Monthly payment, total interest and how your balance falls over time.
Open calculatorLease vs Buy Calculator
Compare the real cost of leasing and financing over the same period.
Open calculatorFuel Cost Calculator
Monthly and annual fuel spend, plus your cost per mile.
Open calculatorMore calculators
Focused versions for specific situations.
- Payment with Tax & FeesSee how sales tax and dealer fees change the amount financed and monthly payment.Open
- Payment with Trade-InInclude trade-in value and any payoff to see your equity and new payment.Open
- Negative Equity PaymentEstimate what rolling an upside-down loan into a new car adds to your payment.Open
- 20/4/10 RuleCheck a car against the 20% down, 4-year term, 10% of income rule of thumb.Open
- Cost per MileTurn depreciation, fuel, insurance and upkeep into an estimated cost per mile.Open
The sticker price isn't what you pay.
A car's price tag is only one part of its cost. Your estimate can also include financing, running costs, taxes, fees and the value the car may lose while you own it.
- Depreciation — the estimated value your car loses while you own it.
- Interest — what the lender charges, which grows with longer terms.
- Insurance, fuel & upkeep — the recurring costs a monthly payment hides.
- Tax, fees & registration — upfront and annual charges set by your state.
Example monthly ownership cost
$806$35,000 gas car · $5,000 down · 7% APR / 60 mo · 12,000 mi/yr · 50% resale after 5 years
- Depreciation36%$292
- Insurance19%$150
- Fuel14%$117
- Loan interest13%$103
- Maintenance & repairs9%$75
- Sales tax & fees6%$48
- Registration3%$21
Before you buy
Popular calculators
True Cost of Ownership
Depreciation, fuel, insurance, interest and upkeep — the full monthly picture.
OpenCar Affordability
A realistic price range based on your income, debts and running costs.
OpenCar Payment
Monthly payment, total interest and how your balance falls over time.
OpenLease vs Buy
Compare the real cost of leasing and financing over the same period.
OpenEducational estimates only — not financial, tax or legal advice. Results depend on the inputs you provide and simplified assumptions. Confirm rates, taxes and fees with lenders, dealers and insurers before making decisions.