5-Year Ownership Cost Calculator

Five-year net ownership estimate with resale credit.

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.

A five-year view answers “what will this car really cost while I own it?” better than on-road price alone.

Open from the Ownership Cost hub for related 10-year and TCO tools. Always verify insurance and service packages with providers.

OwnershipEngine estimate with years fixed at 5.

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.

Why five years?

It matches a common loan tenure and first-resale window for many Indian buyers.

Will my car’s resale match the % used?

Popular models hold value better. Override insurance and service inputs; residual still remains an assumption unless you know a quote.

Keep exploring with tools that share similar decisions.

Decade-long ownership estimate including more wear cycles.

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

Approximate ₹/km after net ownership assumptions.