Total Cost of Ownership (TCO) Calculator - City Car
Calculate the total cost of ownership of your vehicle: depreciation, fuel, insurance, maintenance over several years.
💳 AUTO FINANCING: Monthly payments and credit costs shown are ESTIMATES based on average market rates. The actual APR depends on your profile (income, down payment, credit history), the lender, and current conditions. These calculations do NOT constitute a credit offer. For financing, contact multiple lenders and compare PERSONALIZED offers. Credit is a commitment and must be repaid.
Frequently Asked Questions
What is TCO (Total Cost of Ownership)?
TCO represents all costs related to vehicle ownership: purchase price, depreciation, fuel, insurance, maintenance, taxes. It allows comparing the true cost between different vehicles.
What are the main vehicle expense categories?
Depreciation (30-40% of TCO), fuel (20-30%), insurance (10-15%), maintenance (10-15%), and taxes/various fees (5-10%).
How to reduce your automotive TCO?
Choose a vehicle with good residual value, practice eco-driving, combine trips, negotiate insurance, and respect maintenance intervals.
TCO of a city car vs SUV: what's the difference?
An SUV typically costs 30-50% more in TCO than a city car: higher consumption, more expensive insurance, costlier maintenance, greater depreciation.
Should financing be included in TCO?
Yes, credit costs (interest, loan insurance) are part of TCO. A vehicle paid in cash will have a lower TCO than a financed vehicle.