Car Ownership Cost Calculator
Total cost of owning a car over the years you plan to keep it, per month and per kilometre.
The numbers shown are examples. Replace them with your own.
Everything you pay upfront. Use the full price if you are not borrowing.
Leave empty to count none. Be cautious: it is a guess.
Total cost of ownership
₹11,60,000
Average a month
₹19,333
Cost per kilometre
₹23.20
| Down payment | ₹1,00,000 |
| Loan instalments (EMI) | ₹6,00,000 |
| Fuel | ₹3,00,000 |
| Insurance | ₹75,000 |
| Maintenance and servicing | ₹60,000 |
| Repairs | ₹25,000 |
Your own figures, added up. Real repair bills are uneven, so keep a reserve.
How to use it
- Enter the price and what you pay upfront. Use the full price as the down payment if you are not borrowing.
- Enter the monthly EMI and the loan tenure, or 0 if there is no loan.
- Enter your fuel, insurance, maintenance and repair costs.
- Enter the years you will keep the car and the kilometres you drive a year. Add an expected resale value if you want one counted.
How it works
Total cost = down payment + EMI × the months of the loan that fall inside your ownership period + fuel × months + (insurance + maintenance + repairs) × years − expected resale value. Monthly average = total ÷ months owned. Cost per kilometre = total ÷ (kilometres a year × years).
A worked example
Price ₹6,00,000, down payment ₹1,00,000, EMI ₹10,000 for 60 months, fuel ₹5,000 a month, insurance ₹15,000, maintenance ₹12,000 and repairs ₹5,000 a year, kept for 5 years and 10,000 km a year: total = 1,00,000 + 6,00,000 + 3,00,000 + 75,000 + 60,000 + 25,000 = ₹11,60,000. That is about ₹19,333 a month and ₹23.20 a kilometre.
What it assumes
- Every figure is yours; nothing is filled in on your behalf.
- Costs are flat across the years. In reality servicing and repairs usually rise as a car ages.
- Resale value is a guess, so it is optional and counted only if you enter it.
- Taxes, parking, tolls and fines are not included unless you add them to a cost yourself.
These are estimates to help you plan. They are not a guarantee, a loan or insurance offer, or financial advice. Confirm important figures with the seller, lender or insurer.