Free car ownership cost tools
Estimate the real cost of owning a car — depreciation, financing, fuel, insurance, maintenance, and state fees — before you sign anything. Everything runs locally in your browser: no account, no quote forms, no data uploaded.
5-Year True Cost of Ownership Calculator
Depreciation, financing, fuel, insurance, maintenance, and state fees — all in one 5-year total.
Open toolLease vs. Buy Calculator
Total lease cost vs. buy-and-sell cost over 3 years — see which is cheaper and by how much.
Open toolAuto Loan & Refinance Calculator
Monthly payment, total interest, and amortization — plus a refinance comparison mode.
Open tool How these tools work. All calculations are performed in your browser using
public data and standard industry formulas (depreciation curves, amortization, lease payment math).
Nothing you type is sent anywhere. We do not sell cars, arrange financing, or earn commissions on the
tools themselves. See our methodology
and how we make money.
Get the car ownership cost checklist
A free, plain-English guide to every cost you'll face owning a car — plus occasional updates when state registration fees or tax rules change. No spam. Unsubscribe anytime. We never share your email.