Car Ownership & Commute Cost Studio
How much does your car really cost each year? Get a 30-second estimate from price, mileage, and economy — then go deeper with TCO, A/B compare, commute vs transit, and replacement.
- Free
- No signup
- Zero-Upload
- TCO & cost/km
- A/B compare
- Commute compare
Using sample values. Change any input to update results instantly.
Your inputs are calculated and stored only in this browser. Nothing is sent to our servers.
Your annual car cost
¥1,442,486/ Annual
Loan payment / mo (est.): ¥40,819 · Total interest (est.): ¥149,136
Breakdown
Largest cost driver: Loan
- Depreciation¥336,000
- Loan¥489,828
- Fuel / charging¥119,658
- Tax¥46,800
- Insurance¥92,000
- Parking¥180,000
- Inspection¥40,000
- Maintenance¥70,000
- Tires¥20,000
- Other¥48,200
- • Your largest annual cost category is “Loan”.
- • Fixed ownership costs outweigh usage costs.
Annual breakdown: Depreciation ¥336,000 · Loan ¥489,828 · Fuel / charging ¥119,658 · Tax ¥46,800 · Insurance ¥92,000 · Parking ¥180,000 · Inspection ¥40,000 · Maintenance ¥70,000 · Tires ¥20,000 · Other ¥48,200
This is an estimate simulator for decisions. Taxes, insurance, maintenance, resale, and loans are assumptions from your inputs — not quotes or financial advice.
What is car ownership cost? What this studio does
Vehicle price alone does not tell you which car is cheaper. Total Cost of Ownership (TCO) includes tax, insurance, parking, energy, inspection, maintenance, loan interest, and depreciation (via your assumed resale).
This Solasu studio is a Zero-Upload decision simulator. It does not guarantee exact quotes — it helps you set assumptions and compare options in the browser.
Fixed vs variable costs
See ownership costs that accrue even if you barely drive (tax, insurance, parking, loan) separately from usage costs (fuel/charging, tolls, tires, service).
Low-mileage drivers are often fixed-cost dominated; economy upgrades then save relatively little.
TCO and cost per km
We roll purchase and operating cash over 5 and 10 years, minus your assumed sale price. Resale is never fetched from a market API.
Cost per km is annual cost ÷ annual distance. Per-commute-day cost is also available.
How commute cost is calculated
Car commute uses round-trip distance × workdays for energy, plus parking and highway tolls.
Transit uses passes and/or one-way fares so you can compare monthly, annual, and 5-year deltas.
Replacement and EV/hybrid caveats
We compare keep vs replace and repair vs replace on cost only — never as a directive to buy.
EVs use km/kWh and home/DC rates; hybrids use real-world economy. No built-in model database.
Important limitations
Taxes, premiums, service, and resale are your inputs. Loan math is an estimate, not a lender quote.
Not financial, tax, or investment advice. Actual costs vary by region, driver, and vehicle.
FAQ
Is this just a fuel calculator?
No. It covers annual/monthly/per-km cost, TCO, A/B compare, commute vs transit, and replacement/repair scenarios.
Is my data uploaded?
No. Calculation, localStorage, and optional URL sharing stay in your browser. We do not send car or loan details to Solasu servers.
Are residual values accurate?
They are your assumptions only. We do not fetch market prices.
Is the loan schedule exact?
It is an approximate simulation, including optional bonus and residual/balloon structures — not a contract quote.
Related Solasu tools?
Personal Budget Studio and Financial Scenario Studio are natural next steps for household and loan planning.