Real Car Cost Calculator
The true cost of owning a car is the finance (or cash price) plus running costs, minus what you'll still own at the end — not just the monthly payment. Pick how you're paying, add insurance, tax, fuel and servicing, and this works out that true monthly cost, whichever route you're comparing.
Ownership
How are you paying?
At the end of the term
Annual running costs
Illustrative estimate
£11,484
Adjust
If you return it
£628/mo
Total: £30,165
If you keep it
£577/mo true cost
Total: £27,680 · est. end value £11,484
Running-cost and end-value figures are estimates — adjust to your own quotes for an accurate picture.
Compare EV ownership options
Weigh an electric car's total cost against petrol, not just the fuel saving.
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Last reviewed: 30 August 2026. Figures and methodology are reviewed as UK rates and rules change.