Calculate car costs before you commit.

Estimate monthly finance repayments, total ownership costs, fuel spend and the settlement shortfall on a financed vehicle.

Choose a calculator

Four tools for four different decisions.

Start with the question you need to answer. Each calculator focuses on a different part of buying, running, financing or selling a car.

Estimate monthly instalments, total interest, fees and balloon payments. Compare finance terms, model extra payments and view repayment schedules.

Combine finance, fuel, insurance, maintenance, tyres and expected resale value into a fuller monthly and annual cost estimate.

Estimate monthly and annual fuel spending from distance travelled, fuel economy and the price paid per litre.

Compare a current settlement quote with private-sale and dealer offers to estimate positive equity or cash required to sell.

Which calculator should I use?

Choosing a finance structure

Use the Car Finance Calculator to compare terms, balloons, total interest, extra payments and the repayment schedule.

Comparing two different cars

Use the Total Cost of Ownership Calculator to include running costs and likely resale value rather than comparing instalments alone.

Planning a commute or road trip

Use the Fuel Cost Calculator when distance, consumption and fuel price are the main variables.

Selling a financed vehicle

Use the Settlement Shortfall Calculator with a current written settlement quote and realistic sale offers.

Transparent assumptions

Review the formulas, repayment-schedule logic, fee treatment, rounding and limitations behind all four calculators.

Calculator results are estimates for planning and comparison. They are not finance quotes, credit assessments, valuations or financial advice.