CNBC ANALYSIS AUTOMOTIVE REALITY MODEL TCO ENGINE v2.4

Total Car Ownership Cost & Depreciation Workbench

Car buyers often focus strictly on the dealer sticker price and monthly loan payment. As CNBC reports, loan interest, rapid 5-year depreciation, routine maintenance, comprehensive insurance, and energy costs dramatically elevate the true financial footprint.

5-Year Total Cost of Ownership
$29,854.20
Net ownership outlay including depreciation
True Monthly Cost
$497.57
All-in amortized monthly financial impact
Cost Per Mile
$0.498
Based on 12,000 annual driven miles
Total 5-Yr Depreciation
$21,000.00
Lost vehicle market value over 5 years
Ending Market Value
$21,000.00
Estimated residual resale equity
Cumulative Cost Trajectory & Residual Resale Value
Depreciation
Financing Interest
Fuel & Energy
Insurance & Maint.
Market Equity
Year-by-Year Cost Amortization Schedule
Timeline Depreciation Financing Interest Operating Costs Cumulative TCO Vehicle Value
● TCO model computed successfully
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