Kia Soul Ownership Cost Calculator 2026
Pre-filled with real Kia Soul specs. Estimate your Kia Soul 5-year cost of ownership — depreciation, fuel, insurance, maintenance, loan, and residual value — then compare against same-class rivals side by side.
Year-by-Year Cost Breakdown — Kia Soul
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $24,500 | −$3,430 | $1,624 | $1,500 | $800 | $150 | $4,991 | $9,065 | $13,965 | $21,070 |
| 2 | $21,070 | −$2,695 | $1,624 | $1,500 | $800 | $150 | $4,991 | $9,065 | $23,031 | $18,375 |
| 3 | $18,375 | −$2,450 | $1,624 | $1,500 | $800 | $150 | $4,991 | $9,065 | $32,096 | $15,925 |
| 4 | $15,925 | −$1,960 | $1,624 | $1,500 | $800 | $150 | $4,991 | $9,065 | $41,162 | $13,965 |
| 5 | $13,965 | −$1,715 | $1,624 | $1,500 | $800 | $150 | $4,991 | $9,065 | $50,227 | $12,250 |
| 5-yr total | — | −$12,250 | $8,120 | $7,500 | $4,000 | $750 | $24,957 | $50,227 | — | $12,250 |
Combined 30 MPG (EPA). Depreciation uses a hatchback segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Kia Soul — Base Parameters
Powertrain
- Engine1.6L Turbo GDI (Gamma II)
- DrivetrainFWD
- Fuelgas
- Market years2020-2024
EPA Efficiency
- City28 MPG
- Highway33 MPG
- Combined30 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$21,000
- Popular (mid trim)$24,500
- Top (fully loaded)$28,000
Same-Segment Cost Comparison
Every model below is modeled with identical assumptions (Popular trim, 20% down, 5-year loan at the national average new-car APR, 12,000 miles/year, national average tax & insurance). This apples-to-apples view is exclusive to VehCalc — manufacturer sites and KBB do not show it side by side.
| Model | Popular MSRP | 5-Yr Cost to Own | Avg / Year | Residual (5 yr) | Cost / Mile |
|---|---|---|---|---|---|
| Kia Soul (this car) | $24,500 | $37,977 | $7,595 | $12,250 | $0.63 |
| Toyota Corolla Hatchback | $25,000 | $38,075 | $7,615 | $12,500 | $0.63 |
| Honda Civic Hatchback | $27,000 | $39,266 | $7,853 | $13,500 | $0.65 |
| Toyota Prius | $28,500 | $37,417 | $7,483 | $14,250 | $0.62 |
| MINI Cooper | $30,000 | $41,422 | $8,284 | $15,000 | $0.69 |
Kia Soul — Common Ownership Questions
What is the Kia Soul 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $24,500 with a 20% down payment, a 5-year loan at the national average new-car APR, 12,000 miles per year, and national average tax and insurance, the estimated 5-year cost of ownership is $37,977 — about $7,595 per year — with an estimated $12,250 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a Kia Soul depreciate each year?
The Soul sits in the hatchback segment. Applying a segment-average retention curve, it is estimated to keep roughly 86% of its value after the first year and 50% after five years. Depreciation is typically the single largest ownership cost, which is why our calculator shows it year by year alongside every other expense.
What is the Kia Soul MSRP and which trims are available?
The Soul ranges from $21,000 (Base (entry trim)) to $28,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($21,000); Popular (mid trim) ($24,500); Top (fully loaded) ($28,000). Select a trim in the calculator to recompute costs instantly.
What are the Kia Soul real-world fuel costs?
EPA combined rating is 30 MPG (city 28 / highway 33). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $1,624 per year, or $8,120 over 5 years.
Does the Kia Soul qualify for any tax credits?
The Soul is a gas vehicle, so federal EV credits do not apply. State-level incentives, if any, are listed on each state's page — select your state in the calculator to see local tax and fee impact.
How do Kia Soul ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the Soul against Toyota Corolla Hatchback, Honda Civic Hatchback, Toyota Prius, MINI Cooper using identical assumptions — same annual miles, down payment, and loan terms — so the difference is truly apples-to-apples. That is data the manufacturer's site and KBB do not show side by side.