Major decisions

Car True Cost

The sticker price isn't what you'll pay. Add up loan interest, insurance, fuel, maintenance, and depreciation — see what the car actually costs per month and per mile.

Run the math

Edit any input — the cost-per-month and cost-per-mile update instantly.

Purchase & loan

Purchase price

Down payment

Loan APR

Loan term Years you'll own it Resale value at end

Operating costs

Annual insurance

Annual maintenance / repairs

Annual registration / fees

Miles driven per year Vehicle MPG Fuel price

Monthly cost

What you'd pay each month — loan payment plus operating costs. Resale is handled separately below.

While paying loan

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First — years (loan + operating)

Monthly loan payment

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Monthly operating cost

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Average over — years

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Blended across both phases

Cost per mile

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Total cost over ownership

Down payment

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Total of loan payments

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— interest

Operating costs (— yrs)

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Depreciation

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Total spent over ownership

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Down + loan payments + operating (no resale offset)

Resale recovery

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Net cost after sale

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Total spent − resale value

Cost breakdown

Keep going

Debt Payoff

Add this auto loan to your full debt picture.

Net Worth

Vehicles depreciate — see how that affects your trajectory.

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