The true cost of car ownership

A $483 payment can feel affordable until insurance, fuel, and a set of tires show up. CarAllIn puts those lines next to the loan so you can see a monthly all-in number before you shop.

Start with cash that leaves every month

Four buckets cover most of the bill:

• Loan or lease. Price minus down payment, amortized at the APR and term you enter.
• Insurance. Use a real quote if you have one. The default is only a placeholder.
• Energy. Miles ÷ MPG × $/gallon ÷ 12, or the EV version with kWh and the electricity rate.
• Upkeep. Yearly maintenance and registration divided by 12, plus parking, washes, or tolls.

Then look past one month

Cash out is the down payment plus all-in times the months you keep the car. Net cost adds any leftover loan and subtracts a resale guess. A car that is “cheap per month” can still be expensive if it depreciates fast or if you sell it still owing money.

What this page does not add

Sales tax, dealer fees, gap insurance, parking tickets, and your actual repair luck are not in the default math. Add them in the extra field if you want them in the picture.

Open the ownership calculator and replace the Civic defaults with the car in front of you.