Global Araç
Total Cost Of Ownership Calculator
Toplam sahip olma maliyeti (5 yıl)
$42,293
Araç sonunda yaklaşık $13,363 değerindedir.
Yıllık maliyet
$8,459
Mil başına maliyet
$0.70
| Kategori | Toplam | % dilim |
|---|---|---|
| Amortisman kaybı | $18,637 | 44.1% |
| Yakıt | $7,393 | 17.5% |
| Sigorta | $7,000 | 16.6% |
| Ödenen kredi faizi | $5,664 | 13.4% |
| Bakım | $2,700 | 6.4% |
| Ruhsat | $900 | 2.1% |
5 yıl sonra hâlâ $0kredi borcunuz olacaktır.
Kredi vadeniz (5 yıl) aracı sahiplik sürenizden daha uzun — erken satmak, kalan bakiyeyi satış gelirinden ödemek anlamına gelir.
Project the real 5-year cost of car ownership beyond the sticker price. Tool itemizes: depreciation (40-50% of TCO), fuel ($1,500-3,000/yr × 5), insurance ($1,200-2,400/yr × 5), maintenance + repairs ($600-1,500/yr × 5), registration + taxes ($200-800/yr × 5), and financing interest if applicable. Output: 5-year grand total and per-mile cost. A $30,000 sedan typically has $35,000-45,000 5-year TCO. A $50,000 luxury SUV often hits $70,000-90,000 TCO.
Depreciation is almost always the largest cost. A new car loses ~50% of value over 5 years; that $15K loss on a $30K car dwarfs all fuel and maintenance combined. Buying 2-4 year old used skips most of the depreciation while keeping similar fuel and insurance costs — typical 5-year TCO drops 30-40% vs new. Other large levers: fuel economy (35 vs 25 MPG = $2,500 savings over 5 years at 12K miles/yr), insurance (shop annually; can save $300-800/year), and repairs (extended warranties rarely worthwhile; AAA + Apple Pay car services beat most dealer service plans).
Hidden costs that surprise new owners: comprehensive + collision insurance jumps 15-40% on new vs older cars; first-year registration in property-tax states (Virginia, California, Connecticut) can hit $500-1,500 for newer cars; tires need replacement every 40-60K miles ($500-1,500/set); brakes every 50K miles ($300-600 per axle). Used cars 5-7 years old often have lowest TCO/mile because they’ve shed depreciation but haven’t hit major-repair territory yet.
Nasıl Kullanılır
- Enter purchase price, down payment, financing rate and term.
- Enter expected annual miles (12K-15K typical commuter; 20K+ heavy use).
- Enter MPG (or kWh/100mi for EVs) and current fuel/electricity price.
- Enter annual insurance, maintenance estimate (industry average $0.06-0.10/mile), and depreciation rate.
- Read 5-year grand total and per-mile cost. Compare across vehicles considered.
Ne Zaman Kullanılır
- Vehicle purchase comparison — sticker price alone is misleading; TCO captures real cost.
- Buy vs lease analysis — TCO over 5-year hold lets you compare keep-it-forever vs replace-every-3-years.
- EV vs ICE comparison — TCO captures fuel/electricity savings that flatten higher initial price.
- Fleet-buying decisions — companies use TCO/mile to allocate vehicle costs across departments.
Ne Zaman Kullanılmaz
- Classic/collector vehicle ownership — appreciation, garage costs, specialty insurance not modeled.
- Commercial / Uber / Lyft use — higher mileage, faster depreciation, commercial-insurance premiums require specialized TCO models.
- Vehicles you only keep 1-2 years — depreciation dominates so heavily that 5-year TCO doesn't apply.
- Comparing across countries — fuel taxes, insurance regulations, registration fees vary too dramatically.
Yaygın Kullanım Senaryoları
- Buyer comparing $35K Honda Accord vs $45K Tesla Model 3 over 7 years.
- Family deciding between buying new vs leasing then buying used at lease-end.
- Comparing keeping a paid-off 10-year-old car (low TCO from no depreciation) vs replacing.
- Calculating expense-reimbursement rate per mile for business vehicle use.
Sık Sorulan Sorular
What's usually the biggest ownership cost?
Depreciation, by far — typically 40-50% of 5-year cost. Fuel and maintenance together come next at 20-30%. Insurance is 10-15%. Financing interest is 5-10% if financed. This is why buying used often saves massively: the depreciation curve is flattest 3-7 years in.
How much should I budget for maintenance?
Industry rule: $600/year average for years 1-3, $800-1200 for years 4-7, $1000-1500+ after 100k miles. Luxury brands cost 50-100% more. Electric vehicles cost less on routine maintenance (no oil, simpler transmission) but battery replacement after 10-12 years is $8-20k.
What costs surprise new car owners the most?
Insurance (jumps 15-40% on new cars vs old), registration (annual property tax in some states — Virginia, California over $500/year for newer cars), tires ($500-1500 every 40-60k miles), brake jobs ($300-600 per axle), and unexpected repairs ($1000+ clutches, transmissions, A/C systems).
Is insurance cheaper if I pay cash vs finance?
The vehicle type, driver, and coverage matter more than cash vs financing. But financing requires comprehensive + collision (can add $500-1500/year), while cash owners can drop those on older cars to save. If your car is under $5000, dropping full coverage often makes sense.