汽车持有与通勤成本工作室
您的车一年要花多少钱？从车价、里程、油耗/电耗快速估算，再深入TCO、车型对比与通勤对比。
- 完全免费
- 无需注册
- 零上传
- TCO与每公里
- 车型对比
- 通勤对比
正在使用示例值。修改任意输入即可即时更新结果。
您的输入仅在此浏览器中计算与保存，不会上传到服务器。
Your annual car cost
JP¥1,442,486/ Annual
Loan payment / mo (est.): JP¥40,819 · Total interest (est.): JP¥149,136
Breakdown
Largest cost driver: Loan
- DepreciationJP¥336,000
- LoanJP¥489,828
- Fuel / chargingJP¥119,658
- TaxJP¥46,800
- InsuranceJP¥92,000
- ParkingJP¥180,000
- InspectionJP¥40,000
- MaintenanceJP¥70,000
- TiresJP¥20,000
- OtherJP¥48,200
- • Your largest annual cost category is “Loan”.
- • Fixed ownership costs outweigh usage costs.
Annual breakdown: Depreciation JP¥336,000 · Loan JP¥489,828 · Fuel / charging JP¥119,658 · Tax JP¥46,800 · Insurance JP¥92,000 · Parking JP¥180,000 · Inspection JP¥40,000 · Maintenance JP¥70,000 · Tires JP¥20,000 · Other JP¥48,200
本工具为决策用估算模拟器。税费、保险、保养、残值与贷款均基于您的输入假设，不构成报价或理财建议。
什么是养车成本？本工作室能做什么
车价本身不足以判断哪台更便宜。总持有成本（TCO）还包括税费、保险、停车、能源、年检保养、贷款利息以及您假设的残值。
Solasu 本工具是 Zero-Upload 决策模拟器，不保证精确报价，帮助您在浏览器内设定假设并比较方案。
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.
常见问题
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.