Big decisions.
Small print
included.
Is the cheaper car really cheaper? Is buying worth more than renting? Put the costs, the tradeoffs, and the years ahead in the same picture.
Try Car CostThe price tag is only the start.
Interactive exampleEstimated total ownership cost
Illustrative Toyota gas-car scenarios. Includes depreciation, financing, tax, insurance and running costs; excludes investment returns.
See the example assumptions
2026 new vs. 2023 used; 12,000 miles/year; $3.50/gallon; 30 mpg; 7% sales tax. New: $5,000 down, 5.9% APR. Used: $3,000 down, 7.4% APR. Both loans run 60 months. Remaining ownership and resale assumptions match the calculator’s starting scenarios.
Read the calculation methodTransparent assumptions.
Traceable math. Decisions you can revisit.
Car Cost
Available now. The monthly payment doesn’t tell the whole story.
Compare new and used, buying and leasing, gas and electric. Follow the money through financing, running costs, depreciation, and what remains when you sell.
What are you
weighing up?
Car Cost
Which car costs less over the years you will actually own it?
Open calculatorReal Estate
What will the home and its financing cost over the years that matter?
Open calculatorCost of Living
What salary buys the life you want in a different place?
Open calculatorRepair or Replace
Is one more repair worth it?
PlannedSubscription Cost
Is the subscription earning its place in your budget?
PlannedSolar Payback
When does residential solar become worth it?
PlannedCommute Cost
What does your commute really cost?
PlannedA useful answer
can be questioned.
Every result depends on assumptions. You should be able to find them, change them, and see what happens next.
- Your inputs.
- Start with defaults. Replace them with your quotes, prices, and plans.
- The full calculation.
- See where money goes and what value remains. Costs and assets stay distinct.
- Room for uncertainty.
- Change the timeline or a major assumption. Find out how sturdy the answer is.