How is depreciation determined; is it automatic?

Depreciation is simply the purchase price minus the estimated resale value you enter, so it relies on the two figures you provide. The on-page used-car depreciation curve is informational only and is not folded into the calculation automatically.

How do the cash and loan options change the result?

Choosing cash sets financing cost to zero. Choosing loan uses your loan amount, term in months, and annual interest to compute the monthly payment and total repayment; only the interest portion (total repayment minus principal) is added to the total.

What should I enter in the fuel fields for an electric car?

When you select Electric, the consumption field switches to kWh/100km and the price field to ₺/kWh. For example, enter 18 kWh/100km and 5 ₺/kWh to compare charging cost against a gasoline car using the same logic.

What formula is used for fuel cost?

Annual fuel = (annual km ÷ 100) × consumption × unit fuel price, then multiplied by the ownership years to get total fuel. Because of this, entering realistic annual mileage and consumption directly affects the result.

Is road tax (MTV) included in the total?

No, the MTV amount is not added to the total automatically; the on-page 2026 MTV table is an approximate reference based on engine size and vehicle age. To include it, add the table value into a yearly cost field such as inspection or maintenance.

Why is the parking cost handled differently?

You enter parking as a monthly figure, and the tool multiplies it by 12 before adding it to annual fixed costs. The other items (insurance, inspection, maintenance, tires) are entered directly as annual amounts.

Can I rely on the results for an official decision?

No, the results are estimates for informational purposes based on the assumptions you enter; MTV, insurance premiums, and depreciation rates vary by year, model, and claims history. Consult the tax authority for exact MTV, an insurer for a real quote, and a professional for financial decisions.

Vehicle total cost of ownership — Free Online

Vehicle & Purchase

Purchase Price (₺)

Years of Ownership (years)

Est. Resale Value (₺)

Fuel & Usage

Annual Km (km)

Consumption (L/100km) (L)

Fuel Price (₺/L) (₺)

Annual Other Costs

Insurance (₺)

Inspection Fees (₺)

Maintenance (₺)

Parking (monthly) (₺)

Tire Costs (₺)

5-Year Total Cost of Ownership

Depreciation₺500.000

Financing Interest₺0

Total Fuel₺360.000

Insurance, Inspection, Maintenance, Parking₺420.000

TOTAL₺1.280.000

Annual Cost

₺256.000

Monthly Cost

₺21.333

Cost per Km

₺12,80

📋 MTV 2026 — Motorlu Taşıtlar Vergisi (yaklaşık)

MTV motor hacmi (cc) × yaş katsayısı ile hesaplanır. Resmi tablo GİB tarafından her yıl güncellenir.

Motor (cc)	1-3 yaş (TL/yıl)	4-6 yaş	7-11 yaş	12-15 yaş	16+
≤1300	~3.500	~2.400	~1.400	~1.000	~380
1301-1600	~5.500	~4.100	~2.400	~1.700	~650
1601-1800	~9.500	~7.500	~4.400	~2.700	~1.000
1801-2000	~15.000	~11.500	~6.700	~4.000	~1.600
2001+	~28.000+	~20.000+	~12.000+	~7.000+	~2.700+

⚠️ Yaklaşıktır. Gerçek MTV için: intvrg.gib.gov.tr

📉 TR 2.El Değer Eğrisi (yaklaşık değer kaybı)

Aldığınız fiyat üzerinden ortalama yıllık değer kaybı (yeni sıfır araç):

• Yıl 1: −%15-20 (showroom çıkışı düşüş)
• Yıl 2: kümülatif −%25-30
• Yıl 3: kümülatif −%35-40
• Yıl 5: kümülatif −%50-55
• Yıl 10: kümülatif −%70-75

TR pazarı: Toyota/Honda yavaş kaybeder, Renault/Fiat hızlı. Hasar/boya kaybı artırır.

🛡 Kasko + Trafik Sigortası Tahmini

Kasko: Araç bedeli × %3-6 (yaş+bölge+modele göre). Trafik: zorunlu, ~2.500-5.000 TL/yıl (2026).

TRAMER puanı ve kullanıcı yaşı premium etkiler. Gerçek teklif: tramer.org.tr

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📖 How to Use

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Frequently asked questions

It sums depreciation, financing interest, total fuel, and annual fixed costs (insurance, inspection, maintenance, parking, tires) over your chosen ownership period. The output shows the grand total alongside annual, monthly, and per-kilometer cost.

Vehicle Total Cost of Ownership

📖 How to Use

Frequently asked questions