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Estimate payment, tax, fuel, insurance, maintenance, depreciation, resale value and cost per kilometre before buying a used vehicle.
Direct answer
For a $26,000 vehicle in ON over 4 years: Total monthly cash flow is $1,014/mo (Loan: $526, Fuel: $203, Insurance: $185, Maintenance: $100), with an estimated true cost of $0.60/km.
Jump to the calculator ↓Change the assumptions to match the vehicle listing and your driving habits.
1-Click Buyer Profile Presets:
Monthly cash flow
$1,014
Loan payment plus fuel, insurance and maintenance.
Ownership cost
$899/mo
Depreciation, tax, fees, interest and running costs.
Cost per km
$0.60
Estimated cost over your planned ownership period.
Resale estimate
$15,592
After 4 years at 12% per year.
Standard Canadian total cost of ownership estimates based on 18,000 km/year, $1.65/L fuel, and average provincial insurance rates.
| Vehicle Segment | Price Range | 5-Yr Fuel Expense | 5-Yr Maintenance | 5-Yr Depreciation | Total 5-Yr TCO |
|---|---|---|---|---|---|
| Compact Sedan (Civic / Corolla) | $16,000 – $22,000 | $10,400 (7.0L/100km) | $4,800 ($960/yr) | ~$8,200 | ~$34,500 ($575/mo) |
| Compact / Midsize SUV (RAV4 / CR-V) | $26,000 – $35,000 | $13,600 (9.2L/100km) | $6,200 ($1,240/yr) | ~$13,500 | ~$47,200 ($786/mo) |
| Hybrid Commuter (Prius / Ioniq) | $22,000 – $29,000 | $7,100 (4.8L/100km) | $4,200 ($840/yr) | ~$11,000 | ~$33,800 ($563/mo) |
| Full-Size AWD Pickup (F-150 / Sierra) | $35,000 – $48,000 | $18,500 (12.5L/100km) | $8,500 ($1,700/yr) | ~$18,200 | ~$62,400 ($1,040/mo) |
Compare the total true cost of owning and driving this car against using public transit combined with on-demand rideshares.
Total Monthly Car Burden
$899.00/mo
Includes depreciation, fuel, insurance & maintenance
Transit + Uber Equivalent
$645.00/mo
Car costs $254.00/mo more than transit+rideshare
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