Amounts shown in USD. Calculations do not convert between currencies.
What does this car actually cost?
The dealer shows you the monthly loan payment. We show you what owning it really costs — gas, insurance, maintenance, depreciation, the lot.
01The vehicle
$
$
$
02The loan
$%
$mo
03 · The two numbers
Total 5-yr cost
$60.9k
Loan interest paid
$5,845
Ops only · 5 yr
$16,500
Cash committed
$5,000
What you're really committing to
$60.9k over 5 years for a $35.0k car — almost 1.7× the sticker.
The sticker price is ~57% of the total — the rest is interest, gas, insurance and maintenance. And the car loses ~$21.7k of resale value over those 5 years.
02 · Where the money goes
5 years of ownership · $60.9k broken down
Total 5-year cost · $60.9k
55% car · 10% interest · 27% operatingHover each segment for the detail
Loan principal$33,600
What you borrowed55.1%
Loan interest$5,845
6.5% over 5 years9.6%
Down + trade-in$5,000
Cash and vehicle value8.2%
Fuel$10,800
$180/mo17.7%
Maintenance$5,700
$95/mo avg9.4%
Depreciation · resale value over 5 years
Retained
Lost
Real out-of-pocket vs asset retained
$47.6k
Net cost after selling for ~$13.3k residual. The car kept 38% of its value — the other 62% is gone.
Year-1 cliff
$7.0k in 12 months
A new car loses ~20% in the first year. Buying 2 yr old skips the cliff entirely — for the same $35.0k you'd get a $43.8k spec.
Make this fit your life
Sibling calculators
Folding it in
Budget — find the $1.0k
The true cost is what hits your monthly. See where $1.0k/mo fits in your overall budget.
Open ↗Refinance later
Should I refinance?
Rates change. If APR drops 1.5pp in 2 years, refinancing the remaining balance may save thousands.
Open ↗Save your work