CARS & TRANSPORT / FREE CALCULATOR

Vehicle ownership cost calculator

Add finance, fuel, insurance and maintenance into one monthly budget.

Method and references reviewed 5 November 2026

YOUR NUMBERS

Let’s work it out.

Calculated on your device. Save a copy only when you choose.

A CLEARER PICTURE

Monthly vehicle cash budget

R 9 104,93

Finance and running cash costs · depreciation excluded

Monthly fuel: R 2 721,60
Annual cash budget: R 109 259,16
Cash cost per kilometre: R 7,59
Monthly equivalent of annual fixed costs: R 83,33

See the full breakdown

ESTIMATE · NOT A QUOTATION

Save this scenario, then change your inputs to compare the results.

BEHIND THE NUMBER

Your calculation, unpacked.

Monthly fuel: R 2 721,60
Annual cash budget: R 109 259,16
Cash cost per kilometre: R 7,59
Monthly equivalent of annual fixed costs: R 83,33

UNDERSTAND THE TRADE-OFFS

Small changes.
Different possibilities.

Try changing one input at a time. Compare the total cost, as well as the monthly number.

THE WORKINGS

How this calculation works

Fuel costs equal distance ÷ 100 × consumption × actual pump price. Add finance, insurance, maintenance, parking and one twelfth of annual fixed costs.

A worked example

1 000 km at 8 L/100 km and R30/L costs R2 400 in fuel each month, before finance and other running costs.

Assumptions & limitations

This is a cash-flow budget, not the economic cost of ownership. Depreciation is excluded to avoid counting it on top of full loan principal repayments. Enter your actual local pump price; R30.24 is a dated inland 95 petrol example effective 4 November 2026.

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