The monthly payment is one line. Insurance, fuel, and upkeep sit beside it. Enter a price and a few ownership numbers to see an educational all-in estimate — not a dealer, lender, or insurance quote.
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The loan uses a standard amortizing payment on price minus down payment. Fuel is annual miles ÷ MPG × price per gallon, then ÷ 12 (or the EV equivalent). Other monthly cost is (maintenance + registration) ÷ 12 plus extras. All-in is loan + insurance + fuel + other.
Cash out is the down payment plus all-in times the months you keep the car. Net ownership cost adds any leftover loan balance and subtracts the resale estimate. These are illustrations. They omit sales tax, dealer fees, interest-rate buy-downs, and your actual insurance quote.
Read the longer walkthrough in the true cost of car ownership.