Calculation of the total cost of owning a car, taking into account all expenses
Calculation of the total cost of owning a car, taking into account all expenses
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An online car ownership cost calculator helps you estimate all the costs of fuel, insurance, taxes, maintenance and depreciation. Find out how much your car actually costs per year and over its entire lifespan.
The cost of owning a car includes all costs associated with operating the vehicle.
Our calculator will help you accurately estimate the true cost of owning a car.
There are several ways to reduce the total cost of car ownership.
An online car ownership cost calculator helps you estimate all the costs of fuel, insurance, taxes, maintenance and depreciation. Find out how much your car actually costs per year and over its entire lifespan.
Let's look at some practical examples of using the car ownership cost calculator:
A car worth RUB 800,000, mileage 20,000 km/year, consumption 8 l/100 km, ownership period 5 years.
Total cost of ownership: ~2,800,000 ₽ for 5 years, cost of 1 km: ~28 ₽
A car worth RUB 1,500,000, mileage 25,000 km/year, consumption 10 l/100 km, ownership period 5 years.
Total cost of ownership: ~4,500,000 ₽ for 5 years, cost of 1 km: ~36 ₽
A car worth RUB 3,500,000, mileage 30,000 km/year, consumption 12 l/100 km, ownership period 5 years.
Total cost of ownership: ~8,500,000 ₽ for 5 years, cost of 1 km: ~57 ₽
A car worth RUB 1,200,000, mileage 30,000 km/year, consumption 6 l/100 km diesel, ownership period 5 years.
Total cost of ownership: ~3,200,000 ₽ for 5 years, cost of 1 km: ~21 ₽
The cost of owning a car includes all costs associated with operating the vehicle.
Fuel: consumption × mileage × price per liter
Insurance: OSAGO + CASCO (optional)
Taxes: transport tax
Maintenance and repair: regular maintenance
Depreciation: loss of value of a car
Our calculator will help you accurately estimate the true cost of owning a car.
Учёт всех видов расходов для точной оценки стоимости владения
Точные расчёты на основе ваших данных и актуальных ставок
Планирование бюджета на автомобиль и контроль расходов
Сравнение разных моделей автомобилей для выбора оптимального варианта
There are several ways to reduce the total cost of car ownership.
Choose economical models to reduce fuel costs
Compare rates from insurance companies
Regular maintenance prevents costly breakdowns
Buy cars with low depreciation
The cost of ownership is calculated as the sum of all expenses for the period: purchase price + (annual expenses × number of years). Annual expenses include: fuel, insurance (MTPL, CASCO), transport tax, maintenance and repairs, depreciation. Our calculator automatically performs all calculations.
The cost of ownership includes: Purchase of a car (initial cost), Fuel (depending on mileage and consumption), Insurance (MTPL is mandatory, CASCO is optional), Transport tax (depending on power), Maintenance and repairs (regular maintenance), Depreciation (loss of value over time). All of these costs must be taken into account to truly estimate the cost of ownership.
Fuel costs are calculated: Fuel per year = (Mileage per year / 100) × Consumption (l/100km) × Price per liter. Example: mileage 20,000 km/year, consumption 10 l/100 km, price 55 ₽/l: Fuel = (20,000 / 100) × 10 × 55 = 110,000 ₽/year. For 5 years: 110,000 × 5 = 550,000 rubles.
Depreciation is the loss in value of a vehicle over time due to wear, aging and obsolescence. Typically 10-18% of the cost per year. New cars lose more in the first years (up to 20-25%), then depreciation slows down. Depreciation is one of the largest expenses of owning a car.
The cost of 1 km is calculated: Cost of 1 km = Total cost of ownership / (Annual mileage × Ownership period). Example: total cost 2,000,000 ₽ for 5 years, mileage 20,000 km/year: Cost 1 km = 2,000,000 / (20,000 × 5) = 20 ₽/km. This indicator helps to compare different cars.
The greatest impact on the cost of ownership is exerted by: Depreciation (40-50% of total expenses), Fuel (20-30% of total expenses), Maintenance and repairs (10-20% of total expenses), Insurance (5-15% of total expenses), Taxes (2-5% of total expenses). Depreciation usually accounts for the largest share, especially in the early years.
Ways to reduce the cost of ownership: Choose economical models (low fuel consumption), Regular maintenance (prevents costly breakdowns), Compare insurance (choose the best option), Buy cars with low depreciation (Japanese and German brands), Economical driving (reduces fuel consumption), Long tenure (reduces the cost of 1 km).
Annual cost of ownership = Fuel for the year + Insurance for the year + Taxes for the year + Maintenance and repairs for the year + Depreciation for the year. Example: fuel 100,000 ₽, insurance 15,000 ₽, taxes 3,000 ₽, maintenance 25,000 ₽, depreciation 120,000 ₽: Annual cost = 100,000 + 15,000 + 3,000 + 25,000 + 120,000 = 263,000 ₽/year.
Yes, the period of ownership directly affects the cost of 1 km. With a short period (1-3 years), depreciation is higher, which increases the cost of 1 km. With a long term (5-10 years), the cost of 1 km decreases, since depreciation is distributed over a longer mileage. The optimal tenure for minimizing the cost of 1 km is 5-7 years.
When calculating without CASCO, simply do not include the cost of CASCO in your annual expenses. Example: fuel 100,000 ₽, compulsory motor insurance 5,000 ₽, taxes 3,000 ₽, maintenance 25,000 ₽, depreciation 120,000 ₽ (without CASCO): Annual cost = 100,000 + 5,000 + 3,000 + 25,000 + 120 000 = 253,000 ₽/year. Savings: ~10,000-30,000 RUR/year.
For a diesel car, the calculation is similar, but take into account: Low consumption (usually 20-30% lower than gasoline), High price of diesel (usually 3-5 ₽/l higher), More expensive maintenance (diesel engines require more attention), Slower depreciation (diesels hold the price better). Example: consumption of 6 l/100km instead of 10 l/100km saves ~40% on fuel.
TCO (Total Cost of Ownership) is the total cost of ownership, which includes all costs of purchasing, operating and maintaining a car for the entire period of ownership. TCO includes: purchase cost, fuel, insurance, taxes, maintenance and repairs, depreciation, additional expenses. TCO helps you get a realistic idea of how much a car is actually worth.
For a new car, consider: High depreciation in the first years (20-25%/year), Warranty service (usually the first 3 years are cheaper), High cost of insurance (CASCO mandatory), Low repair costs (first years). Example: new car 2,000,000 ₽, depreciation 20%/year = 400,000 ₽/year only for depreciation.
For a used car, consider: Low depreciation (5-10%/year), High repair costs (wear and tear increases), Possibility without CASCO (not always necessary), High maintenance costs (requires more attention). Example: used car 500,000 ₽, depreciation 8%/year = 40,000 ₽/year, but repairs can cost 50,000+ ₽/year.
For comparison, calculate the cost of ownership for each car for the same period (for example, 5 years) and compare: Total cost of ownership, Cost per km, Annual costs, Share of each type of cost. A car with a lower cost per km for the same mileage is more economical. Also consider comfort, reliability and personal preference.
For an electric car, the calculation is different: Energy consumption (kWh/100km) instead of fuel consumption, Charging cost (depending on the electricity tariff), Low maintenance costs (fewer parts), High depreciation in the first years, Transport tax benefits. Example: consumption 20 kWh/100 km, tariff 5 ₽/kWh: 20,000 km/year = 4,000 kWh × 5 ₽ = 20,000 ₽/year for charging (vs 110,000 ₽ for gasoline).
When calculating taking into account the sale: Calculate the residual value through depreciation, Subtract the residual value from the total cost of ownership. Example: car 1,000,000 ₽, depreciation 12%/year, term 5 years: Residual value = 1,000,000 × (1 - 0.12)^5 = 527,731 ₽. Real Cost of Ownership = Total Cost - Residual Value. This is a more accurate indicator.
For a hybrid car, consider: Low fuel consumption (usually 4-6 l/100 km), High purchase cost (more expensive than usual by RUB 200,000-500,000), High depreciation in the first years, Low maintenance costs (hybrid systems are reliable), Possible tax benefits. Hybrids are more profitable for high mileage (more than 30,000 km/year) due to fuel savings.
For a car with LPG, consider: Cost of installing LPG (50,000-100,000 RUR), Gas consumption (usually 10-20% higher than gasoline), Low price of gas (2 times cheaper than gasoline), Additional costs for servicing LPG (5,000-10,000 RUR/year), Payback in 1-2 years with a mileage of more than 20,000 km/year. Example: savings on fuel of 50,000 ₽/year pay for the installation of gas equipment in 1-2 years.
When calculating taking into account a loan/leasing, add: Loan interest (overpayment 10-30%), CASCO cost (usually mandatory), Down payment, Purchase price (for leasing). Example: loan of 1,500,000 rubles for 5 years at 12%: overpayment ~400,000 rubles. Credit/leasing increases the cost of ownership by 10-30%. Leasing can be more profitable for business due to tax benefits.
For the premium class, consider: High cost of purchase, High cost of insurance (CASCO is mandatory, expensive), High cost of maintenance (official service is expensive), High depreciation (premium loses value faster), Additional costs (tires, accessories are more expensive). Premium cars have a cost of 1 km of 40-70 rubles due to high costs for all items.
For the middle class, typical indicators: Purchase cost: 1,000,000-2,000,000 rubles, Annual expenses: 250,000-400,000 rubles, Cost of 1 km: 25-35 rubles. The middle class is optimal in terms of the ratio of comfort and cost of ownership. Middle-class cars have balanced costs in all respects.
For economy class, typical indicators: Purchase cost: 600,000-1,000,000 rubles, Annual expenses: 150,000-250,000 rubles, Cost of 1 km: 18-25 rubles. Economy class has minimal costs but may require more attention to maintenance. Optimal for urban use with low mileage.
Mileage directly affects the cost of 1 km: High mileage (30,000+ km/year): high fuel and maintenance costs, high wear and tear, the cost of 1 km is higher. Low mileage (up to 10,000 km/year): low fuel costs, high share of fixed costs (insurance, taxes), the cost of 1 km is lower due to the distribution of depreciation. Optimal mileage is 15,000-25,000 km/year to balance costs.
When calculating without CASCO, the savings are 20,000-120,000 ₽/year, depending on the cost of the car. Risk: in case of an accident, repairs at your own expense. Example: car 1,500,000 ₽, CASCO 40,000 ₽/year: without CASCO the savings are 40,000 ₽/year, but in case of an accident the costs can be 200,000+ ₽. The decision depends on the risk and your willingness to repair at your own expense.
The optimal tenure for minimizing the cost of 1 km is usually 5-7 years. For a short period (1-3 years), high depreciation increases the cost of 1 km. With a long term (10+ years), repair costs increase, which also increases the cost. A period of 5-7 years is optimal: depreciation has already decreased, but repair costs are not yet critical.
Comparison of new and used: New car: high purchase cost, high depreciation, low repair costs (warranty), high insurance costs. Used: low purchase cost, low depreciation, high repair costs, low insurance costs. Typically, a used car has a lower cost per km with mileage over 15,000 km/year.
Different brands have different cost of ownership: Japanese (Toyota, Honda): low depreciation, reliability, cost 1 km 18-25 ₽. German (BMW, Mercedes): high cost of maintenance, high depreciation in the first years, cost of 1 km 40-60 ₽. Korean (Hyundai, Kia): average cost of ownership, cost of 1 km 25-35 ₽. Domestic (Lada): low purchase cost, average costs, cost of 1 km 20-30 ₽.
The region significantly influences the cost of ownership: Moscow/St. Petersburg: high parking costs (60,000-120,000 ₽/year), high parking fines, high transport tax, high prices for maintenance services. Regions: low parking costs, low fines, low transport tax, low prices for services. The difference in the cost of ownership between Moscow and the regions can be 50,000-100,000 ₽/year. Driving style also affects: aggressive driving increases costs by 15-25%.
When calculating taking into account the sale: Calculate the residual value through depreciation, Subtract the sale price from the total cost of ownership, Get the real costs. Example: car 1,000,000 ₽, depreciation 12%/year, term 5 years, residual value 527,731 ₽. If sold for 500,000 ₽: real costs = Total cost - 500,000. This is a more accurate indicator of the cost of ownership. Different types of cars (sedan, crossover, SUV) have different prices for 1 km: from 25 to 60 rubles.