Auto & transportation tools

Free calculators for the true cost of driving — buy vs lease, EV vs gas, total cost of ownership, car affordability, and commute math. Every tool shows real numbers.

23 resources

Calculator 5-Year True Cost of Car Ownership Calculator Total the real 5-year cost of a car: depreciation, fuel, insurance, maintenance and fees, minus its resale value. Open → Calculator Auto Loan Extra Payment Payoff Calculator See how many months and how much interest you save by adding a fixed extra amount to your car payment each month. Open → Calculator Auto Loan Payment Calculator Estimate your monthly car payment, total interest, and total cost from price, down payment, trade-in, tax, rate and term. Open → Calculator Auto Loan Refinance Calculator Compare your current car payment against a refinanced loan to see monthly and total savings before you apply. Open → Calculator Buy vs Lease Car Calculator Compare the total cost of buying a car (counting resale value) against leasing it over the same period. Open → Calculator Car Affordability Calculator (20/4/10 Rule) Find the most car you can responsibly afford using the 20/4/10 rule: 20% down, a 4-year loan, and 10% of income to auto costs. Open → Calculator Car Depreciation Calculator Project what your car will be worth in a few years and how much value it loses, using an annual depreciation rate. Open → Calculator Car Lease Payment Calculator Estimate a monthly lease payment from cap cost, residual value and money factor, broken into depreciation and finance fees. Open → Calculator Commute Cost Calculator Add up the yearly cost of your commute including fuel, vehicle wear, and the value of the time you spend driving. Open → Calculator Cost Per Mile to Drive Calculator Add up depreciation, insurance, fuel, maintenance and fees to find what each mile of driving really costs you. Open → Calculator EV Home Charging Cost Calculator Estimate what it costs to charge your electric car at home per session, per month and per year, including charging losses. Open → Calculator EV vs Gas Fuel Cost Calculator Compare five years of electricity cost for an EV against gasoline cost for a gas car, based on your real driving. Open → Calculator Extended Car Warranty Worth-It Calculator Weigh an extended warranty cost against your expected covered repairs to see if it pays off, net of the deductible. Open → Calculator Fuel Savings by MPG Calculator Calculate the annual gallons and dollars you save by moving from your current car MPG to a more efficient one. Open → Calculator Gap Insurance Coverage Calculator See how large the gap is between your loan balance and your car insurance payout after a total loss. Open → Calculator Hybrid vs Gas Break-Even Calculator Find out how many years it takes for a hybrid fuel savings to repay its higher price versus a comparable gas car. Open → Calculator Mileage Reimbursement Calculator Compare what you get reimbursed for business miles against what those miles actually cost you to drive. Open → Calculator Monthly Car Payment Budget Calculator Set a car payment as a percentage of your monthly income and check whether your current or planned payment fits. Open → Calculator Road Trip Cost Calculator Budget a road trip by totaling fuel, lodging, food and tolls, then split it per person and per mile. Open → Calculator Trade-In vs Private Sale Calculator Compare the net proceeds of trading your car to a dealer (with sales-tax savings) against selling it privately. Open → Guide Buy vs Lease a Car: Which Actually Costs Less? A numbers-first breakdown of whether buying or leasing a car is cheaper over 3, 6, and 9 years — with a full side-by-side cost table. Open → Guide EV vs Gas: The Real 5-Year Cost of Ownership A line-by-line, five-year total cost comparison of an electric car versus a gas car — fuel, maintenance, depreciation, incentives, and the break-even mileage. Open → Guide How Much Car Can You Afford? The 20/4/10 Rule A practical guide to the 20/4/10 rule for car buying — 20% down, a 4-year loan, and payments under 10% of income — with a worked income table. Open →