TrueCarCost: Cost Calculator

What does a car REALLY cost you each month? Calculate insurance, fuel, depreciation, maintenance, and more — for any car. 2025 data. Free.

What does a car really cost each month? It's not just the payment.

TrueCarCost is the only app that calculates the true monthly cost of owning any car — loan payment, insurance, fuel, depreciation, maintenance, and registration combined. See the real number before you buy.

THE AVERAGE CAR COSTS $800+/MONTH BEYOND THE PAYMENT. Most buyers don't find out until it's too late.

HOW IT WORKS

1. Pick your car type (sedan, SUV, truck, sports car, luxury, electric, hybrid, minivan)
2. Enter purchase price, down payment, and loan terms
3. Select your state for accurate registration fees
4. Get your complete monthly cost breakdown in seconds

WHAT YOU GET • Total monthly cost — every expense in one number • Loan payment calculator — any term, any rate, any down payment • Insurance estimate — 2025 averages by car type (AAA, Insurify, MoneyGeek) • Fuel or electricity cost — based on your annual miles • Depreciation — realistic 3-tier model (CarEdge, iSeeCars, Edmunds) • Maintenance and repairs — by car type and age • Registration and fees — all 50 US states • Cost grade — instant rating of your car's affordability • Side-by-side comparison — compare two cars head to head

2025 DATA SOURCES • AAA — insurance and fuel cost averages • CarEdge, iSeeCars, Edmunds — depreciation rates • EIA — electricity rates for EVs and hybrids • State DMV data — registration fees for all 50 states

FREE VS. PREMIUM • Free: 2 full cost calculations • Premium ($4.99 one-time): Unlimited calculations, all car types, comparison tool

No subscription. No ads. No data collection. Just math.

Perfect for first-time car buyers, anyone comparing vehicles, and people who want to know what they can actually afford — not just what the dealer says.