RandRoute · South African money tools
Total Vehicle Cost Calculator
See the ownership number beyond the instalment before you choose a vehicle.
Calculator inputs
- Vehicle price
- Deposit
- Balloon payment
- Annual interest rate
- Loan term
- Insurance / month
- Fuel / month
- Maintenance / month
- Licence / month
- Tyres / month
How the calculator works
Combine the estimated finance instalment with insurance, fuel, maintenance, licence, and tyres to show the full monthly vehicle ownership estimate.
Example calculation
Try a R380,000 vehicle with a R40,000 deposit, then add realistic monthly running costs. Compare this total with your after-tax income rather than the finance instalment alone.
Frequently asked questions
- What should I include in a vehicle budget?
- Include finance, insurance, fuel, servicing, tyres, licence costs, parking, and a repair buffer. Costs vary by vehicle and driver.
- Does this include depreciation?
- No. It is a cash-flow planning tool and does not model depreciation, resale value, or investment returns.
Related financial tools
Estimate only. Results are based on the information entered and applicable assumptions. Actual amounts may differ.