True cost of a car
Purchase/loan plus insurance, fuel, and maintenance. Fuel uses miles, MPG, and $ per gallon you type. Insurance can prefill from this site’s existing NAIC 2023 state table — edit it; it is not a personal quote.
Loan payment uses the same amortizing formula as the auto-loan calculator. Insurance prefill, when present, is NAIC 2023 average expenditure already used on this site’s car insurance tool — not a personal quote. Fuel price is whatever you type (no EIA index baked in). Depreciation beyond the down payment and loan is not modeled. Estimate, not a quote.