§ Tool · tier 1 · independent
Total Cost of Ownership Calculator.
Calculate the true total cost of owning a car including finance, fuel, insurance, and maintenance
CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
Awaiting inputs
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
The sticker price is just the beginning. This calculator reveals the true total cost of car ownership including finance, fuel, insurance, registration, and maintenance over your ownership period.
§ Worked examples
Real-world scenarios
Mid-Size SUV TCO
$45,000 SUV, $5,000 deposit, 8% over 5 years, 15,000km/year, 9L/100km.
Inputs
price:45,000deposit:5,000rate:8kms:15,000fuel:9
Total 5-year cost: ~$75,000. Breakdown: Purchase $40,000 + Interest $8,500 + Fuel $12,150 + Insurance $7,500 + Rego $4,000 + Service $5,000.
§ FAQ
Questions Australians ask
§ GlossaryTotal Cost of Ownership (TCO) The complete cost of buying and running a vehicle over your ownership period. Running Costs Ongoing expenses including fuel, insurance, registration, servicing, and repairs. Fuel Efficiency Measured in L/100km - how much fuel the car uses. Lower is better and cheaper.