Example 1
- Value: 80,000
- Years: 5
- Rate: 15%
End ≈ 35,496.42
Loss ≈ 44,503.58
~55.63%
Typical mid-term ownership horizon.
Car depreciation calculator
Type starting value, period in years, and the annual decline rate. 80,000 after 5 years at 15% leaves about 35,496, a loss of about 44,504 (55.63%). That is a constant-rate estimate, not an appraisal and not a sale price.
A constant rate, not a separate year-one claw. End value as a balloon lives on residual value. A year of upkeep without value loss is on annual running cost.
Result
Starting value, Period (years) and Annual depreciation rate (%). The result shows up here.
How results are calculated
End value = start × (1 − rate/100) to the power of years. 80,000 × 0.85⁵ ≈ 35,496.42, loss ≈ 44,503.58, about 55.63%. 40,000 after 3 years at 12% is about 27,258.88. 25,000 after 8 years at 10% is about 10,761.68.
85,000 after 3 years at 15% is 52,200.625. 62,000 after 5 years at 18% is about 22,985.87. 42,000 after 2 years at 20% is 26,880. 110,000 after 4 years at 12% is about 65,966.49. 28,000 after 6 years at 10% is about 14,880.35. Same power as residual, different question: here you count the loss.
Fields are starting value, period in years, and annual depreciation rate. Header currency formats 35,496. A comma in 15 and 12.5 parses. The model has no separate year-one claw: 15% in year 1 is the same 0.85 factor as in year 5.
Residual value shows how much remains, for example a balloon. TCO will sit this drop next to fuel and insurance. Annual running cost does not compute depreciation. A listing with mileage and condition can miss the curve.
Blank start does not fill 80,000 from the example. Zero start gives zero at the end. Zero years leaves the start. A minus is rejected. This is not tax depreciation and not an appraiser report.
Type 80,000, 5 and 15, click Calculate, and match about 35,496. Then 40,000, 3 and 12: about 27,259. When you quote the 44,504 loss, call it an estimate from a constant rate, not a lot price.
How to use
- Type starting value, for example 80,000, in the header currency.
- Type period in years, for example 5, and the annual decline rate, for example 15.
- Click Calculate. 80,000 × 0.85⁵ ≈ 35,496. Loss ≈ 44,504, about 55.63%.
- Compare with residual value if you are asking how much remains, not how much dropped.
- There is no market feed and no separate year-one claw. One constant rate.
Depreciation at a constant annual rate
Value × (1 − rate)^years. 80000 after 5 years at 15% leaves about 35496, a loss of about 44504 (55.63%).
- depreciation
- Constant-rate value loss in this calculator. 80000 × 0.85^5 ≈ 35496. Not an appraisal and not a lease residual.
- loss
- Start minus end. 80000 − 35496 ≈ 44504, or 55.63%. At 40000, 3 years, and 12% the end is about 27259.
Usage examples
Example 2
- Value: 40,000
- Years: 3
- Rate: 12%
End ≈ 27,258.88
Shorter term, milder rate.
Example 3
- Value: 25,000
- Years: 8
- Rate: 10%
End ≈ 10,761.68
Long horizon at a moderate rate.
Related calculators
FAQ
How much remains from 80,000 after 5 years at 15%?
About 35,496.42. Loss about 44,503.58 (55.63%). 40,000 after 3 years at 12% is about 27,258.88.
How is this different from residual value?
Same power. Here you stress the loss. There you stress the end amount, for example a lease balloon.
Is the result a sale price?
No. A constant-rate estimate. Mileage, condition, and demand can print a different market number.
Is there a steeper year-one drop?
No. 15% repeats each year. There is no field for 25% in year 1 and 15% after.
How much remains from 25,000 after 8 years at 10%?
About 10,761.68. 85,000 after 3 years at 15% is 52,200.625. 42,000 after 2 years at 20% is 26,880.
What if starting value is blank?
The calculator does not compute and does not fill 80,000 from the example. It needs start, years, and rate.
Is this tax depreciation?
No. No schedule codes and no cap. A market-style sketch at a constant rate.
Does a comma in 12.5% work?
Yes. 12,5 and 12.5 are the same rate. A comma and a period mean the same value.
Where do I fold loss with fuel and insurance?
In TCO or in true cost of a car, where depreciation is purchase minus resale.
Does zero years leave 80,000?
Yes. A power of zero is one. A zero rate also leaves the start.
Knowledge sources
Use, cost or emissions come from your numbers. Below are FuelEconomy.gov, EPA and SI terms.
Page updated in 2026.