10-Year Ownership Cost Calculator

Decade-long ownership estimate including more wear cycles.

Your inputs

Use the i icons for plain-language help. Required fields are marked. All outputs remain estimates.

On-road purchase price (₹)*

Down payment (₹)*

Loan rate (% p.a.)(optional)

Loan tenure (months)(optional)

Fuel type*

Realistic mileage (km/l)*

Fuel / electricity (₹ per unit)*

Annual kilometres*

Year-1 insurance estimate (₹)*

Typical annual service (₹)*

Enter inputs and tap Calculate estimate. Nothing is stored on our servers from this form beyond normal request logs.

All results are indicative — not guarantees of loans, premiums, fuel bills or resale.

Keeping a car for a decade changes the story: more tyre sets, batteries and uncertain late-life repairs, but depreciation flattens.

Use this when you buy to keep rather than flip after the loan ends.

OwnershipEngine estimate with years fixed at 10.

Insurance, service and repair reserves use your inputs or site default percentages.
Resale residual is an assumption, not a live market bid.
All totals are indicative estimates — not guarantees of future costs.
Long horizons amplify uncertainty in fuel prices and repairs.

Are major repairs included?

A percentage repair reserve is included; sudden engine or dual-clutch jobs can exceed it. Raise the reserve if the car is complex or high-km.

How is 10-year resale set?

Defaults lean toward a lower residual. Override only with grounded market knowledge.

Keep exploring with tools that share similar decisions.

Five-year net ownership estimate with resale credit.

Full indicative TCO: finance, energy, care and depreciation.

How many tyre sets — and what spend — over your ownership.