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Vehicle Cost Reality Check

What do your vehicles really cost?

A quick estimate of the annual economic cost of owning and using up to four family vehicles—not just what leaves your account each month.

Tell us about your vehicle

Start with one vehicle. Approximate numbers are fine.

Enter actual time owned. Depreciation uses applicable IRDAI age-based slabs.
For vehicles above 5 years, the estimate caps at 50% slab as per IRDAI guidelines.
Driving & Usage
100 km/mo4,000 km/mo
5 km/l80 km/l
Fuel cost uses an assumed average price of ₹105/litre to prevent short-term market fluctuation distortion.
Approximate Annual Costs
Financing (Optional)
Was this vehicle financed?
Only interest/finance cost is added to TCO.
Annualised across the loan tenure.
Your Family’s Annual Vehicle TCO

Economic cost per kilometre

Approximate cost for every 100 km

Total financial commitment represented so far

What makes up annual TCO

Running costs, financing and annual economic depreciation.

Fixed vs usage cost

The costs of ownership compared with the cost of driving.

Annual Economic Cost
Depreciation is value lost as vehicles age. Though not an immediate cash outflow, it represents a real component of ownership expense.

Vehicle-by-vehicle view

The underlying breakdown behind your family total.

Value worth protecting

Your vehicle is a substantial financial commitment.

How you use, maintain and care for your vehicle shapes its condition and value over time.

A complete ownership record gives you a clearer understanding of your vehicle and gives future buyers evidence of how it has been cared for. Well-maintained vehicles with documented histories earn greater buyer confidence and stronger resale value than comparable vehicles with unclear histories.

Start building yours today. Know your ownership costs along the way—and sell better tomorrow.

Build your ownership record
This calculator provides illustrative estimates, not a formal valuation, insurance quote or financial advice. The supplied IDV depreciation slabs are applied to the on-road price; estimates above five years are capped at 50%. Actual market value and insurer IDV may differ. Fuel is estimated at ₹105/litre.