Total cost of ownership
What a car really costs to own
The whole picture over the years you keep it — depreciation, fuel or charging, insurance, rego, servicing, tyres and finance interest — as a cost per year and per kilometre.
The car
$
$
L/100km
$/L
$
$
$
$
Bought with a loan?Adds finance interest to the total.
True cost over 5 years
$51,950
$10,390/yr · 0.69/km driven.
| Depreciation | $25,000 |
| Fuel | $11,700 |
| Insurance | $6,500 |
| Registration & CTP | $4,500 |
| Servicing | $3,000 |
| Tyres | $1,250 |
| Total | $51,950 |
Make it complete.Add the up-front on-road cost from the stamp duty & rego tool, compare EV vs petrol running costs, and if you're salary-packaging, check the novated lease tool. Depreciation is usually the biggest line and the hardest to estimate — try a conservative resale value.