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True Car Cost Calculator

See the cost beyond the monthly finance payment. Include depreciation only when it is not already captured in your finance or lease figures.

Enter your figures

Miles driven each year

Monthly finance or lease payment (£)

Annual insurance (£)

Annual vehicle tax (£)

Annual servicing, MOT and repairs (£)

Annual tyres and breakdown (£)

Annual parking and tolls (£)

Annual fuel or charging spend (£)

Annual depreciation (optional, £)

Other annual costs (£)

Enter your figures and select Calculate.

All inputs and calculations stay in your browser. No account, no financial data stored.

Important limitations

Calculate the real monthly, annual and per-mile cost of owning or leasing a car. Figures are estimates based on your inputs. Check current official guidance and relevant terms before making a financial decision.