Example 1 — 80,000 / 5y / 15%
- Value: 80,000
- Years: 5
- Rate: 15%
End ≈ 35,496.42
Loss ≈ 44,503.58
~55.63%
Typical mid-term ownership horizon.
Car depreciation — value loss over years
Estimate how much a vehicle’s value may decline over a multi-year horizon at a stated annual rate.
Market-style estimate at a constant annual rate — not an appraisal or sale price. Actual market price may differ (mileage, condition, demand). Currency from the header.
Result
Enter data and click Calculate.
How results are calculated
End value = start × (1 − rate/100)years.
Loss = start − end. % loss = loss / start × 100.
How to use the calculator
- Enter current or list value.
- Set the horizon in years.
- Choose an annual depreciation rate (%).
- Compare with market listings and the residual-value calculator.
Usage examples
Example 2 — 40,000 / 3y / 12%
- Value: 40,000
- Years: 3
- Rate: 12%
End ≈ 27,258.88
Shorter term, milder rate.
Example 3 — 25,000 / 8y / 10%
- Value: 25,000
- Years: 8
- Rate: 10%
End ≈ 10,761.68
Long horizon at a moderate rate.
FAQ
What does car depreciation mean here?
An estimate of value loss over years at a fixed annual rate — educational, not tax depreciation or an appraisal.
What formula is used?
End value = start × (1 − rate/100)^years. Absolute and percent loss follow from that difference.
How is this different from residual value?
Depreciation frames how much value you lose. Residual value frames the expected end amount (e.g. a lease balloon).
Is the result a sale price?
No. Market price depends on mileage, condition, demand and brand — this is an exponential model estimate.
What annual rate should I pick?
Often about 10–20% for passenger cars, depending on segment. Cross-check with similar listings.
Does the model include a steep year-one drop?
No — the rate is constant each year. For a different profile, run year-by-year with different rates.
Which currency is shown?
The currency from the page header — switching USD/EUR/PLN/GBP only changes formatting, not FX conversion.
When should I not rely only on this?
For selling, insurance or leasing decisions — compare with market data and TCO / residual calculators.