OWNERSHIP COST

True cost of a car calculator

The number on the lender statement is not the whole monthly cost. Build a more realistic estimate by looking at the payment beside insurance, fuel and maintenance.

INTERACTIVE EXAMPLE

See more than the payment

These defaults use a 6.5% sales-tax assumption, $700 in fees, $186/month insurance, 1,000 miles/month, 25 MPG and a $900/year maintenance reserve.

Loan term
Estimated loan payment$767/mo
Estimated true monthly cost$1,162/mo
Total interest$7,747

What BeyondSticker includes

01Loan payment

Principal and interest based on the amount financed, APR and term.

02Insurance

A monthly estimate that you can replace with a real quote in the full calculator.

03Fuel

Monthly miles divided by MPG, multiplied by the fuel price you enter.

04Maintenance reserve

A planning amount for routine ownership costs rather than a promise about future repairs.

What it intentionally does not pretend to know

Depreciation, unexpected repairs, parking, tolls and every future registration cost can vary heavily by vehicle and owner. The site keeps those outside the headline monthly number rather than presenting a false level of precision.

Make the estimate yours

Open the full calculator and replace the defaults with your insurance quote, monthly mileage, MPG, gas price and a maintenance reserve that makes sense for the vehicle you are considering.