Car ownership cost
Look past on-road price. Estimate finance, energy, insurance, care and depreciation over the years you will actually keep the car.
Why ownership cost matters
Indian car ads lead with ex-showroom or EMI. Neither captures the full picture. Over five or ten years you also pay interest, fuel or charging, insurance renewals, services, tyres and the quiet loss of value when you sell. CarDecision’s ownership tools use a shared engine so figures stay comparable — and every number is labelled as an indicative estimate, not a guarantee.
Core ownership calculators
Start with the horizon that matches how long you typically keep a car.
5-Year Ownership Cost Calculator
Five-year net ownership estimate with resale credit.
Open calculator10-Year Ownership Cost Calculator
Decade-long ownership estimate including more wear cycles.
Open calculatorTotal Cost of Car Ownership (TCO)
Full indicative TCO: finance, energy, care and depreciation.
Open calculatorCost Per Km Calculator
Approximate ₹/km after net ownership assumptions.
Open calculatorCar Running Cost Calculator
Holistic running and ownership estimate over your horizon.
Open calculatorMonthly Car Budget Calculator
Effective monthly ownership plus EMI and fuel snapshots.
Open calculatorAssumptions at a glance
Default loan rate, annual km, insurance decay and tyre life can be overridden on each form. Site defaults may come from admin assumptions when configured.
Ownership FAQs
What is car ownership cost?
Beyond on-road price: loan interest, fuel or charging, insurance, service, tyres, batteries and the value you lose to depreciation — often credited back as assumed resale.
Is TCO the same as EMI?
No. EMI is the lender instalment. TCO / ownership cost is a broader estimate of what the car costs to keep over years.
Are these figures guaranteed?
No. CarDecision shows indicative estimates only. Confirm with dealers, banks and insurers.