Free Calculator
What is your car really costing you?
Add up your payment, insurance, fuel, and maintenance — then see what depreciation is quietly adding on top. Pick your currency and enter your own numbers.
Used to calculate depreciation — not your original purchase price.
15% is a reasonable default for an average vehicle. Luxury vehicles often run higher.
Your real monthly cost
$0
including depreciation you don’t see on a bill
Why depreciation is in here
Most car-cost estimates stop at payment, insurance, fuel, and maintenance — the costs that show up as bills. Depreciation doesn’t send a bill, but it’s just as real: it’s the value your car quietly loses every month, whether you notice it or not. Leaving it out understates your true cost, often by hundreds a month.
Want the full breakdown of how depreciation works and why it varies by vehicle? Read How Car Depreciation Actually Works. Weighing whether to keep this car or replace it? See Lease vs. Buy vs. Keep.