Car Ownership
Calculate the true cost of owning and operating your vehicle
Car Details
Initial purchase price of the vehicle
Age of the car when you buy it (0 for new)
Estimated kilometers driven per year
Fuel Costs
Liters used per 100 kilometers
Average price of fuel
Insurance & Taxes
Yearly premium for car insurance
Yearly tax for road usage
Maintenance
Average yearly maintenance and service
Cost to replace all tires
How many kilometers before tires need replacement
Buffer for unexpected repairs
Depreciation
How much value your car loses each year (typically 15-20% for new cars, slower for older cars)
Cost Analysis
Total Cost of Ownership
KES 36,732
Over 5 years
Monthly Cost
KES 612
Average per month
Cost per Kilometer
0.49 KES
Running cost per km
Remaining Value
KES 11,093
After 5 years
Cost Breakdown
Cost Over Time
- Total Cost
- Car Value
Yearly Breakdown
| Year | Depreciation | Fuel | Maintenance | Insurance | Road Tax | Unexpected | Car Value |
|---|---|---|---|---|---|---|---|
| Year 1 | KES 3,750 | KES 2,025 | KES 725 | KES 1,200 | KES 300 | KES 300 | KES 21,250 |
| Year 2 | KES 3,188 | KES 2,025 | KES 725 | KES 1,200 | KES 300 | KES 300 | KES 18,063 |
| Year 3 | KES 2,709 | KES 2,025 | KES 725 | KES 1,200 | KES 300 | KES 300 | KES 15,353 |
| Year 4 | KES 2,303 | KES 2,025 | KES 725 | KES 1,200 | KES 300 | KES 300 | KES 13,050 |
| Year 5 | KES 1,958 | KES 2,025 | KES 725 | KES 1,200 | KES 300 | KES 300 | KES 11,093 |
Tips to Reduce Car Ownership Costs
- Consider fuel efficiency when purchasing a vehicle
- Compare insurance quotes annually to find better rates
- Maintain your vehicle regularly to prevent costly repairs
- Drive less aggressively to improve fuel efficiency
- Consider carpooling or public transportation for commutes
About This Calculator
This calculator helps you understand the true cost of car ownership beyond just the purchase price. It accounts for depreciation, fuel costs, insurance, taxes, maintenance, and unexpected repairs.
All calculations are estimates based on the information you provide. Actual costs may vary based on driving habits, location, and other factors.
Adjust the values in each section to match your specific situation for a personalized estimate.
This calculator is for educational purposes only. Always consult with a qualified investment professional before making financial decisions.