Annual running cost calculator

Add up a year of keeping the car on the road — fuel, insurance, service, tires and the rest — then see it monthly and per mile.

Need fuel economy first? Use the fuel consumption calculator. Planning one trip? Use trip cost. Checking real fuel spend? Use fuel cost per mile. This page totals your whole year.

Input data

Fuel (required)
Fixed costs (optional)

Results

Enter data and click Calculate.

How the results are calculated

Fuel (US): gallons = miles ÷ mpg; cost = gallons × $/gal. Metric: litres = (km ÷ 100) × L/100 km; cost = litres × price/L.

Annual total: fuel + service + insurance + tires + (parking monthly × 12) + tax.

Monthly = annual ÷ 12. Per distance = annual ÷ mileage. Share % = category ÷ total × 100.

Using this motoring calculator

  1. Enter annual mileage, economy and pump price — that drives the fuel line.
  2. Optionally add service, insurance, tires, parking and tax/registration.
  3. Read yearly and monthly totals plus cost per distance unit.
  4. For purchase, finance and depreciation, open the car TCO calculator.

Usage examples

Example 1 — Daily commute (gasoline car)

  • 12,000 mi/year · 28 mpg · $3.20/gal
  • service $600 · insurance $1200 · tires $200
  • parking $30/mo · tax $150

Total annual cost $3,881.43

Monthly $323.45 · Per mile $0.3235

A typical commute profile — insurance (30.9%) and fuel (35.3%) together make up more than two-thirds of the yearly cost.

Example 2 — Low-mileage city car

  • 5,000 mi/year · 32 mpg · $3.20/gal
  • service $400 · insurance $900 · tires $120
  • parking $50/mo · tax $120

Total annual cost $2,640.00

Monthly $220.00 · Per mile $0.5280

At low mileage, fixed costs dominate — insurance (34.1%) and parking (22.7%) together are more than half the total, while fuel is only 18.9%. Cost per mile is higher than in Example 1 because fixed costs are spread over fewer miles.

Example 3 — High-mileage company car

  • 25,000 mi/year · 24 mpg · $3.20/gal
  • service $900 · insurance $1400 · tires $350
  • parking $0 · tax $180

Total annual cost $6,163.33

Monthly $513.61 · Per mile $0.2465

At high mileage, fuel becomes the dominant category (54.1% of the total). A good moment to compare economy in the fuel consumption calculator — even a small mpg improvement at this mileage means meaningful yearly savings.

Frequently asked questions

What counts here — and what doesn't?

Six categories: fuel, service/inspection, insurance, tires, parking/wash, and tax/registration. No purchase price, loan/lease payments, or depreciation — those belong in TCO.

Where does the fuel cost come from?

Formula: (annual distance ÷ 100) × L/100 km × fuel price. Switch units in the header and the JS adapts the numbers to km / L/100 km or mi / mpg.

What if I don't know my annual mileage?

Easiest: subtract odometer readings from the start and end of the year. Or estimate daily commute × workdays plus weekend trips. For one route, use trip fuel cost.

How is this different from TCO?

This page covers repeatable costs for one year. TCO adds purchase, financing and depreciation over several years.

How do I fold in a lease or loan?

Financing isn't here — that's ownership, not running cost. Put lease/loan together with the rest in TCO.

Can I compare two cars?

Yes — run it twice with different inputs (e.g. gasoline vs hybrid) and compare total annual cost plus cost per mile/km.

What changes if I drive more or less?

Fixed costs (service, insurance, tax) stay put — fuel scales with distance. FAQ examples update to the units in the header.

What's a typical annual running cost?

It depends heavily on the car, mileage, region and local prices — there's no single magic number. Enter your own figures.

Do prices update automatically?

No — you enter your own current amounts. That way the result tracks your spending, not a network average.

How do I switch to metric (km, L/100 km)?

Use the units selector in the header (US ↔ Metric). Fields, results, examples and FAQ figures update automatically.