Car Cost Calculator
Calculate the monthly total costs of your car. Insurance, tax, fuel, maintenance and depreciation. Free online, with current rates, CO2 calculation and 2026.
Cost per Month
€558.13
Cost per Kilometer
44.7 ct/km
Total Costs (5 years)
€33,487.50
Cost Breakdown (per Year)
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What are the total costs of car ownership?
Total costs include fuel, insurance, vehicle tax, maintenance, tires, depreciation, and financing. The ADAC estimates average costs of 300-700 euros per month depending on the vehicle class.
How much does car depreciation cost?
New cars lose about 25% in the first year and around 5-10% each subsequent year. After three years, a car has typically lost 40-50% of its original value.
Is the EV vehicle tax exemption still active?
Yes. The 2024 Wachstumschancengesetz extended the exemption for pure electric vehicles through 31 December 2030 (previously end of 2025). EVs are exempt from vehicle tax for 10 years, at most until 31 December 2035.
Guide
Quick Answer
The car cost calculator computes the monthly and annual total costs of a car including depreciation, insurance, tax, fuel and maintenance.
What is the Car Cost Calculator?
The car cost calculator computes the monthly and annual total costs of a car including depreciation, insurance, tax, fuel and maintenance.
How does the Car Cost Calculator work?
Enter the vehicle value, annual mileage, consumption and insurance costs. The calculator totals all cost items: depreciation, tax, insurance, fuel, maintenance, tyres and computes the cost per kilometre.
Key Data and Facts
Average car costs Germany: approx. 500-800 euros/month (incl. depreciation). Depreciation: largest item (approx. 40-50% in 3 years). Cost per km: 0.30-0.60 euros.
Step-by-Step Guide
How to calculate the total costs of your car step by step: 1. Calculate the loss in value: The largest single item. In the 1st year approx. 20-25 %, after that approx. 5-10 % per year. A new car of 35.000 EUR: after 3 years approx. 20.000 EUR loss in value = 556 EUR/month. 2. Insurance: Third-party liability (mandatory): approx. 400-800 EUR/year. Partial comprehensive: approx. 150-400 EUR/year. Full comprehensive: approx. 500-1.500 EUR/year. 3. Vehicle tax: Depending on engine displacement and CO2 emissions, approx. 100-400 EUR/year. 4. Fuel: Annual mileage x consumption / 100 x price per litre. At 15.000 km, 7 l/100 km, 1,70 EUR/l: 1.785 EUR/year. 5. Maintenance and repairs: Inspection, oil change, wear parts. Approx. 500-1.000 EUR/year. 6. Tyres: Summer and winter tyres every 3-4 years. Approx. 200-400 EUR/year. 7. Other costs: TUeV/HU, parking fees, car wash. 8. Total costs per km: All annual costs / annual mileage.
Calculation Example
VW Golf, new price 35,000 EUR, 15,000 km/year. Depreciation: 5,000 EUR. Insurance (fully comprehensive): 900 EUR. Vehicle tax: 120 EUR. Fuel: 1,785 EUR. Maintenance: 700 EUR. Tyres: 300 EUR. Total: 8,805 EUR/year = 734 EUR/month = 0.59 EUR/km.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
Full methodology at Methodology.
Car & Mobility
Related Calculators
Fuel Consumption Calculator
Calculate the fuel consumption and fuel costs of your vehicle per 100 km. Quick online calculation with examples, fully updated for 2026.
Car Financing Calculator
Compare financing options for your car. Installment loan, leasing and balloon financing. Quick online calculation with examples, fully updated for 2026.
German Traffic Fine Calculator 2026 — Speeding, Parking, Points
Calculate German traffic fines (Bußgeldkatalog 2026): speeding, red light, parking, mobile phone use. With penalty points (Flensburg) and driving ban risk.
Mobile Tariff Calculator
Compare mobile tariffs and calculate monthly costs. Data volume, free minutes and SMS. Quick online calculation with examples, fully updated for 2026.