Gesamtkosten-Rechner — Kostenloses Online-Tool

Free True Kosten of Ownership Rechner — See the Real Preis Tag

Toololis True Kosten of Ownership Rechner reveals the full financial picture of buying a car or home. The sticker price is only the beginning. When you factor in insurance, maintenance, fuel, depreciation, property taxes, mortgage interest, and utilities, the actual cost of ownership can be two to three times the purchase price. This calculator breaks down every expense category and shows you the total cost over your entire ownership period.

Most buyers focus exclusively on the purchase price and monthly payment. This narrow view leads to financial surprises — the $35,000 car that actually costs $65,000 over five years, or the $400,000 home that demands $900,000+ over a 30-year mortgage when you add interest, taxes, maintenance, and utilities. Understanding TCO before you buy is one of the most impactful financial decisions you can make.

The calculator supports two distinct modes. Car mode accounts for the purchase price, annual insurance, monthly fuel costs, annual maintenance, and percentage-based depreciation. Start mode includes the purchase price, down payment percentage, mortgage interest calculation, property tax, homeowner's insurance, annual maintenance, and monthly utilities. Each mode produces a tailored breakdown showing exactly where your money goes.

At a glance

• Dual mode — Car and Start calculations with different input fields for each asset type
• Full cost breakdown — See how much goes to purchase, interest, insurance, maintenance, and more
• Three time views — Total cost, monthly cost, and daily cost for perspective
• Visual breakdown bars — Color-coded stacked bars show proportional cost distribution
• Real-time calculation — Results update instantly as you change any input

Use cases

• New vs. used car comparison — Compare TCO: a cheaper used car may cost more in maintenance but less in depreciation
• Rent vs. buy preparation — Understand the true home ownership cost before comparing to rent
• Budget planning — Know your real monthly cost before committing to a purchase
• EV vs. gas comparison — Change fuel costs to electricity costs and compare total ownership
• Refinance evaluation — Adjust interest rate to see how refinancing changes long-term cost
• Down payment optimization — See how different down payment amounts affect total interest paid

Depreciation is the largest hidden cost of car ownership. A new $40,000 vehicle typically loses $8,000-$10,000 in the first year alone. By year five, most cars retain only 40-50% of their original value. Buying a 2-3 year old certified pre-owned vehicle avoids the steepest depreciation curve while still getting modern safety features and warranty coverage.

For homes, mortgage interest is the silent cost multiplier. At 7% interest on a $320,000 loan (80% of a $400,000 home), you will pay approximately $446,000 in interest over 30 years — more than the loan principal itself. Even a 0.5% rate reduction can save $30,000-$50,000 over the loan lifetime. This is why understanding TCO matters: the monthly payment tells a fraction of the story.

Maintenance is another commonly underbudgeted category. The 1% rule for homes (budget 1% of home value per year) and the $0.10/mile rule for cars provide useful starting points. However, older assets require significantly more. A 20-year-old home may need roof replacement ($8,000-$15,000), HVAC replacement ($5,000-$10,000), or foundation work ($4,000-$12,000) during your ownership period. Planning for these costs prevents financial emergencies.