Petrol vs diesel vs hybrid vs electric: cost calculator
Total cost of ownership with your mileage and today’s prices. Shows when a pricier car pays back.
Lease vs buy: compare all three options
Leasing, buying outright or buying with a loan: for the same period and mileage, which costs you less? Enter your quotes to see the total, monthly and per-kilometre cost.
Result
What it compares
- Cash: you pay for the car, use it and sell it at the end. Cost = price − resale value + insurance, maintenance and road tax.
- Loan: the same, plus loan interest and any opening fee. Payments use the standard amortising (annuity) formula.
- Lease: a monthly fee that usually includes insurance, maintenance and taxes; you hand the car back at the end and pay for kilometres over the limit.
Formula
Loan payment = principal × r / (1 − (1 + r)−n), with r = annual rate / 12 and n = months.
Example: €20,000 at 6 % over 60 months gives €386.66 a month and €3,199.60 of interest.
Limitations
- Fuel or electricity is excluded: it is the same car in all three options.
- The opportunity cost of the cash you pay upfront is not included.
- Resale value is your estimate; check prices of similar used cars.
- Business tax treatment is not covered.
To choose a powertrain, try the EV vs gas cost calculator.
More tools
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Which one is cheaper for your mileage, and from how many km a year diesel pays off.
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Total cost of an electric car against a hybrid with your charging situation.
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When a plug-in pays off: it depends on how often you charge it.
Spain car registration tax calculator
Official CO₂ brackets and rates from Law 38/1992.
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Official averages by province, updated every night, plus the cheapest hours to charge.