The monthly payment is one line. Insurance, fuel, and upkeep sit beside it. Enter a price and a few ownership numbers to see an educational all-in estimate — not a dealer, lender, or insurance quote.
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Fuel $4.331/gal default: EIA U.S. regular retail, week of Oct 12, 2026 ($4.331), EIA weekly gasoline prices, checked Oct 20, 2026. Other defaults are example inputs.
The loan uses a standard amortizing payment on price minus down payment. Fuel is annual miles ÷ MPG × price per gallon, then ÷ 12 (or the EV equivalent). Other monthly cost is (maintenance + registration) ÷ 12 plus extras. All-in is loan + insurance + fuel + other.
Cash out is the down payment, plus loan payments until the loan is paid off, plus insurance, fuel, and other costs for every month you keep the car. Net ownership cost adds any leftover loan balance and subtracts the resale estimate. These are illustrations. They omit sales tax, dealer fees, interest-rate buy-downs, and your actual insurance quote.
Read the longer walkthrough in the true cost of car ownership. For a compact-car example with sourced Civic defaults, see Honda Civic monthly payment and true cost. Browse every model example on the car cost pages: