Annual Car Ownership Budget Calculator
Plan the annual cash you may need to operate a car. You enter insurance, maintenance and other charges yourself. Optional loan payments represent cash flow and are not the same as the economic cost of depreciation.
Enter your figures
Use your own values for a meaningful estimate.
How this calculation works
Annual budget = (km driven per year × L/100 km ÷ 100 × fuel price) + annual insurance + maintenance + tax + parking + (monthly loan payment × 12).
Worked example
With 12,000 km a year, 7 L/100 km and fuel at 1.50, annual fuel costs 1,260. Add 800 insurance, 500 maintenance, 200 tax and 240 parking for a 3,000 annual budget.
Use the selected country only for currency and unit presentation. This site does not perform exchange-rate conversion or infer regional prices.
Frequently asked questions
Does this estimate resale depreciation?
No. This is an out-of-pocket annual budget; use the depreciation calculator separately.
What about tires or repairs?
Include those expected costs in your maintenance estimate.