Free guide
See what the car actually costs, not just the repayment
Add fuel, rego, insurance, and servicing to the loan before you decide.
Step 1
Price a week of fuel from your real kilometres
Kilometres you drive, litres per 100km from the sticker or your last tanks, and the price per litre you actually pay. A commute figure from a forum will be wrong.
Step 2
Add the yearly extras
Rego, insurance, servicing, tyres, and a parking or toll cost if you pay one. Divide by 12 and put it next to the loan repayment.
Step 3
Compare two loans on the same car
Same price, same deposit, different rate or term. A longer term can lower the month and raise the total. Look at both.
Step 4
Decide from the monthly total
Repayment plus fuel plus the yearly extras divided by 12. If that number does not fit before the next payday, the car does not fit.
The tool that keeps this going
Why ROOPON
Fuel Cost, Car Ownership Cost, and Car Loan Calculator use the numbers you enter. The repayment on the ad is not the cost of owning the car.
The lowest cost plan that includes every tool on this page is Ultimate at $99.99/month. Memberships also include partner discount codes. You can pay monthly or yearly, and you can cancel anytime.
See the plansThis guide is general information only. It is not financial advice. A calculator result is not a quote from a bank, insurer, or retailer.
