Car Ownership Cost Pack
On-road price, insurance, service intervals, fuel, parking and rentals — the full lifecycle cost from delivery to daily driving.
The true cost of a car is never the sticker: tax, insurance, service, fuel and parking add up to 20%+ of the price per year. This pack covers three scenarios: all-in price before buying, running costs after, and rentals on car-free days.
6 tools · follow the steps
Use in this order
- 1Auto Loan CalculatorCar payment, total cost and purchase tax
Step 1 · On-Road Price & Loan
Payment + purchase tax (incl. NEV relief) + insurance + plates = one all-in number.
- 2Car Insurance EstimatorCompulsory + vessel tax + commercial (CN)
Step 2 · Car Insurance
Compulsory cover + vehicle tax + commercial policies — your baseline for renewal quotes.
- 3Car Service CalculatorOil intervals, km/days remaining
Step 3 · Service Intervals
Three oil grades with mileage/day countdown, whichever first — no over-servicing.
- 4Fuel Cost CalculatorConsumption, fuel price and trip cost
Step 4 · Fuel Cost
Consumption × price × distance, split by commute vs road-trip scenarios.
- 5Hourly vs Monthly Parking Calculatorhourly × days vs pass · yearly saving
Step 5 · Parking Plans
Hourly vs monthly: by usage frequency, above ~10 visits/month a monthly pass usually wins.
- 6Car Rental Cost Calculatordaily rate + insurance + extra mileage
Step 6 · Car Rental
Daily rate + insurance + excess-mileage total; compare occasional rentals against ownership costs.
Related Guides
Car On-Road Price: The 6 Fees Beyond the Sticker
On-road price = sticker + purchase tax (10% of net price) + insurance + registration + extras. A ¥150k car lands at ~¥168k. Covers each fee's formula, new-energy exemptions, and the dealer add-ons you can refuse.
Read guide →
Gas vs Electric Car: 5-Year Real Cost Comparison
15,000 km/year: gas car at 8L/100km × ¥7.5/L = ¥9,000/yr fuel; EV at 15kWh/100km × ¥0.6/kWh = ¥1,350/yr home charging. Five-year gap ~¥45k — but depreciation and charging access decide the real winner.
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Annual Car Ownership Cost: Fuel, Insurance, Tax & More
A ¥150k gas car costs ¥22-30k/year all-in: fuel ¥9k + insurance ¥5.5k + parking ¥6k + maintenance ¥2k + tax ~¥400 — before depreciation (¥10-15k/yr). The full breakdown plus per-category tables and cost-cutting tactics.
Read guide →
FAQ
What costs beyond the sticker price?
Purchase tax (invoice ÷11.3, NEV partially exempt), insurance (compulsory from ¥950 plus commercial), and plates — typically 10-15% above the base price. Use the auto-loan calculator for the all-in number.
How much cheaper is an EV to run?
Home charging is ~¥0.1/km vs ~¥0.55/km for petrol at 8L/100km; but EV insurance runs 10-20% higher and resale is generally lower. Break-even depends on annual mileage.
Hourly parking or a monthly pass?
Compare n visits × hourly rate × 12 against the pass price P. Above ~10 visits a month in most cities the pass wins; enter local rates for the annual saving.