GuideStation • Car Tools
Total cost of car ownership
The sticker price is just the beginning. This calculator shows the true monthly cost of owning a vehicle — including finance, insurance, fuel, and maintenance.
Total cost of ownership
R250 000
R50,000R3,000,000
10% (R25 000)
0%50%
60 months
12 months72 months
13%
9%18%
R3 000
R500R8,000
R500
R0R3,000
Estimated total monthly cost
R10 119/ month
Finance repaymentR5 119
Insurance (est. avg)R1 500
FuelR3 000
MaintenanceR500
Total over 60 months
R607 140
Total interest paid
R82 140
Est. value after 5 yrs
R110 926
Depreciation estimated at 15% per year. Insurance based on 0.4%–0.8% of vehicle value. Actual costs depend on driving habits, vehicle age, and location.