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Cars & mobility

Car total-cost calculator

Calculate depreciation, energy, insurance, maintenance and financing as costs per month, year and kilometre.

Your result

Complete the fields and calculate.

Calculation method and formula

depreciation + energy + insurance + tax + maintenance + financing

Understand the inputs

Powertrain
Choose the matching option; it determines the table value or calculation variant.
Purchase price
Unit: €. Minimum 0. Use a measured value or your own assumption.
Ownership period
Unit: years. Minimum 1. Maximum 30. Whole number.
Resale value
Unit: €. Minimum 0. Use a measured value or your own assumption.
Distance/year
Unit: km. Minimum 1. Use a measured value or your own assumption.
Consumption per 100 km
Unit: l or kWh. Minimum 0. Use a measured value or your own assumption.
Price per litre/kWh
Unit: €. Minimum 0. Use a measured value or your own assumption.
Insurance/year
Unit: €. Minimum 0. Use a measured value or your own assumption.
Tax/year
Unit: €. Minimum 0. Use a measured value or your own assumption.
Maintenance/repairs per year
Unit: €. Minimum 0. Use a measured value or your own assumption.
Other costs/year
Unit: €. Minimum 0. Use a measured value or your own assumption.
Financed amount
Unit: €. Minimum 0. Use a measured value or your own assumption.
Financing rate
Unit: %. Minimum 0. Maximum 50. Use a measured value or your own assumption.

Assumptions and limitations

Compare equal ownership periods and mileage. Depreciation, running costs and financing are only as complete as your inputs; resale value is an assumption.

The formula uses the specified units. Displayed numbers are rounded; whole packs, item counts and full time periods may also be rounded within the calculation.

Worked example

Illustrative values. Replace them with your own inputs for your calculation.

Powertrain
Petrol
Purchase price
35000 €
Ownership period
5 years
Resale value
18000 €
Distance/year
15000 km
Consumption per 100 km
7 l or kWh
Price per litre/kWh
1.8 €
Insurance/year
900 €
Tax/year
180 €
Maintenance/repairs per year
850 €
Other costs/year
600 €
Financed amount
20000 €
Financing rate
5 %
Example result€695.76 per month

Per year: €8,349.10 · Per km: €0.56.

Model revision: October 17, 2026 · How CleverCalc works

FAQ

Frequently asked questions

How does Car total-cost calculator work?+

depreciation + energy + insurance + tax + maintenance + financing. Compare equal ownership periods and mileage. Depreciation, running costs and financing are only as complete as your inputs; resale value is an assumption.

What assumptions should I consider for this result?+

Compare equal ownership periods and mileage. Depreciation, running costs and financing are only as complete as your inputs; resale value is an assumption. The formula uses the specified units. Displayed numbers are rounded; whole packs, item counts and full time periods may also be rounded within the calculation.

How accurate is the result?+

The formula uses the specified units. Displayed numbers are rounded; whole packs, item counts and full time periods may also be rounded within the calculation. Prices, measurements and model assumptions determine how well the result represents your situation.

Is this calculator free?+

Yes. Calculations and PDF export work without an account or registration.

What happens to my inputs?+

Calculations run in your browser. Results are saved locally only when you add them to My results; favourites and history are also local. Shared links contain your values. The currency tool requests the selected currencies from its rate provider without sending your amount.

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