True cost of ownership
See your real monthly cost including depreciation, tax and insurance
This is a free UK calculator. Enter your figures to get an instant, personalised result — no signup, no email capture, no upsell.
Frequently asked questions
What's included in true cost of ownership?
Depreciation, fuel, insurance, road tax, servicing, MOT and any finance interest — every recurring cost of keeping the car on the road.
Why does depreciation matter so much?
For most cars depreciation is the single biggest cost of ownership, often more than fuel and insurance combined over the first three years.
How accurate are the figures?
We use UK averages for fuel, insurance and depreciation curves. Your real numbers will vary, but the result is a solid baseline to plan against.