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New vs. Used Car Calculator

Drive smarter. Compare the total cost of ownership between a new and used car, including depreciation, fuel, and insurance.

Car Details

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$
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%
Fuel & Usage
mi
$
mpg
mpg
Insurance & Maintenance
$
$
$
$
Depreciation
i New cars lose value quickly! Often 20% in the first year.
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%
5-Year Total Cost
Used Wins
by $15,400

Total Cost of Ownership

Monthly Breakdown (Avg)

New Car
Loan Payment $0
Insurance $0
Fuel $0
Maintenance $0
Total Monthly $0
Used Car
Loan Payment $0
Insurance $0
Fuel $0
Maintenance $0
Total Monthly $0
Used is $300/mo cheaper

The Hidden Costs of Driving

It's not just the sticker price. See what really drains your wallet.

Depreciation

The Silent Killer

A new car loses about 20% of its value the moment you drive it off the lot. That's thousands of dollars vanishing instantly.

Used cars have already taken this hit, meaning you lose less money over time just by owning it.

Insurance

Premiums Add Up

New cars are more expensive to replace, so insurance companies charge more to cover them.

Driving a slightly older car can save you hundreds of dollars a year in premiums.

Maintenance

The Used Car Gamble

While used cars are cheaper to buy, they can be more expensive to keep running.

As cars age, parts wear out. You might save on the loan, but you need to budget for repairs that a new car under warranty wouldn't need.

Fuel Economy

MPG Matters

Newer cars often have better fuel efficiency. If you drive a lot, the gas savings from a new hybrid might outweigh the higher purchase price.

Always check the MPG!