Vehicle Total Cost of Ownership Worksheet (Printable)
Fill in your real numbers to see the true monthly cost of keeping vs replacing a vehicle — then print or save as PDF. Pair with the Repair vs Sell go/no-go.
Inputs
| Purchase price ($) | |
| Down payment ($) | |
| Loan term (months) | |
| APR (%) | |
| Insurance / mo ($) | |
| Fuel / mo ($) | |
| Maintenance / mo ($) | |
| Fees & tax / mo ($) | |
| Expected repairs this year ($) |
Result
| Estimated monthly payment | $561 |
| Monthly ownership (ins+fuel+maint+fees) | $495 |
| Total monthly cost of ownership | $1056 |
| Repair run-rate / mo | $100 |
| 12-mo repair run-rate vs 12-mo replacement TCO delta | $1200 vs $12673 |
Illustrative only. See the open used-car TCO dataset (JSON) for segment-level planning ranges.