Tools

Ownership math you can trust

Estimate fuel, payments, and the real monthly number—before a salesperson frames the deal for you.

01 · Fuel

Fuel cost calculator

Use the car’s MPG rating and your real commute distance. Results update when you submit.

Home → work → home, or your typical daily loop.

Find this on the window sticker or fueleconomy.gov.

Your estimate

Per trip$5.21
Gallons per trip1.4 gal
Monthly$114.71
Yearly$1377

02 · Financing

Loan payment estimator

Longer terms lower the payment and raise total interest. Compare before you sign.

APR varies by credit, term, and lender.

Loan snapshot

Monthly payment$547.98
Amount financed$28000
Total interest$4879
Total of payments$32879

03 · True cost

Monthly ownership planner

Stack payment, insurance, fuel, and maintenance. The number that matters is the one that hits your account every month.

Oil, tires, brakes averaged over a year. Used cars may need $80–120.

Parking, washes, tolls, subscription features.

True cost

Monthly total$800
Yearly$9600
5-year projection$48000

Quick tip

Compare apples to apples

When dealers quote a payment, ask for price, down payment, term, and APR separately. A “low payment” on 84 months can cost thousands more in interest.

Next

Stress-test with advice

Use these numbers alongside our buying guides, then sanity-check with owners in the garage who already run the same commute.