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Financial simulator

Total Car Expense Over Time

Estimate the month-by-month cost of owning a vehicle, including a simple-interest auto loan, depreciation, insurance, and maintenance.

Total net cost is cash paid minus estimated remaining vehicle equity, so principal payments and depreciation are not double-counted.

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Vehicle & Timeline

Set the purchase price, projection length, and expected depreciation.

Purchase price before financing assumptions.

How many months to project.

Enter 15 for 15% annual depreciation.

Loan Inputs

The loan uses a fixed payment with simple monthly interest on the remaining balance.

Turn this on to model a cash purchase and disable loan inputs.

Cash paid upfront.

Length of the auto loan.

Enter 7.5 for 7.5% APR.

Additional amount paid each month on top of the calculated base payment shown below.

Calculated base monthly payment -
Payment with extra amount -

Base payment is calculated from vehicle price, down payment, term, and APR.

Operating Costs

Monthly insurance and maintenance are included in the cash cost timeline.

Expected monthly auto insurance.

Starting monthly maintenance and repair reserve.

Enter 3 for 3% annual maintenance growth.

The chart and table update in the browser after the API run completes.

Results

Track monthly cash expense, estimated vehicle value, and cumulative net cost over time.

Waiting for projection

Summary

Run the projection to see total vehicle cost over time.

Total net cost
-
Total cash paid
-
Total interest paid
-
Total depreciation
-
Ending vehicle value
-
Average monthly cash
-

Total net cost = total cash paid minus estimated remaining vehicle equity.

Monthly Breakdown

Month Loan payment Insurance Maintenance Depreciation Cash expense Vehicle value Loan balance Total net cost
Run the projection to populate this table.