Tool · Ownership economics

Free

Consumer Cost Workspace

Compare passenger-vehicle ownership costs for sales, advisory, and business decisions.

Use the working ownership-cost calculator to compare up to four configurations, inspect assumptions and sensitivities, and export a documented result.

For OEM teams · Dealers · Analysts

Studio rendering of silver, jade and ice-blue unbranded passenger vehicles — Representative composition, not an interface screenshot. ownership-comparison-v1 · Maharashtra · 5 years · 15,000 km/year · fixed illustrative rates. After-resale estimates, not quotations.

The offer, precisely

Know the input. Inspect the output.

You supply: Vehicle prices, state, distance, ownership period, energy rates and finance assumptions.
You receive: Up to four configurations; gross and resale-adjusted costs, ₹/km, sensitivities and PDF/Excel/image exports.
Start here: Open the worked example, replace illustrative inputs and save in this browser.

Inspect the actual interface screenshots

Full captures of the working examples. Open an image to inspect the interface; the designed visual above is a representative composition.

Consumer Cost Workspace with petrol, CNG and electric configuration inputs — Actual working tool · ownership-comparison-v1 · captured 20 October 2026

Ownership cost comparison showing gross cost, cost after resale and cost per kilometre — Actual comparison output · fixed illustrative inputs · same engine as the editable example

Reproducible worked example

Compare the same distance and holding period.

Illustrative passenger-vehicle configurations, Maharashtra, 5 years. Prices and energy rates are fixed example inputs, not quotations. All assumptions remain editable. 15,000 km/year; 20% ex-showroom down payment, 8.5% finance over 60 months.

Ownership configurations, inputs and engine-calculated results
Configuration	Ex-showroom	Energy input	Gross cost	After resale	Net ₹/km	Net / month
Petrol configuration	₹12,00,000	18 km/litre · ₹105	₹23,24,622	₹17,17,422	22.90	₹28,624
CNG configuration	₹13,00,000	20 km/kg · ₹80	₹21,86,775	₹15,66,935	20.89	₹26,116
Electric configuration	₹16,00,000	5.5 km/kWh · ₹8 home / ₹18 public · 80% home · 12% loss	₹23,12,616	₹16,11,976	21.49	₹26,866

Gross = acquisition + finance + running costs. After resale = gross less modelled terminal value. Monthly ownership figures divide net cost by the holding period; they are not EMI quotes. Engine autiqa-tco-engine-2026.08.v2 · assumptions autiqa-india-pv-2026-q3-v2.

Inspect all example inputs and warnings

{
  "inputs": {
    "stateCode": "MH",
    "numYears": 5,
    "usageProfile": "mixed",
    "preserveFuelPrices": true,
    "exampleId": "ownership-comparison-v1",
    "vehicles": [
      {
        "id": "example-petrol",
        "label": "Petrol configuration",
        "fuel": "petrol",
        "make": "",
        "model": "",
        "variant": "",
        "exShowroom": 1200000,
        "eng": "mid",
        "mileage": 18,
        "fuelPrice": 105,
        "homeChargingSharePct": 80,
        "homeChargingRate": 8,
        "publicChargingRate": 18,
        "chargingLossPct": 12,
        "annKm": 15000,
        "cash": false,
        "dp": 240000,
        "ir": 8.5,
        "tenure": 60,
        "acc": 0,
        "rto": 2700,
        "charger": 0,
        "insOverrideYr1": 0,
        "svcYr1": 0,
        "tyreCycleYrs": 3,
        "tyreLifeKm": 50000,
        "tyreSetCost": 20000,
        "fuelEscalPct": 5,
        "ncbMode": "max",
        "addonTotal": 0,
        "includeBattery": false,
        "batteryKwh": 0,
        "batteryWarrantyYears": 8,
        "batteryWarrantyKm": 160000
      },
      {
        "id": "example-cng",
        "label": "CNG configuration",
        "fuel": "cng",
        "make": "",
        "model": "",
        "variant": "",
        "exShowroom": 1300000,
        "eng": "mid",
        "mileage": 20,
        "fuelPrice": 80,
        "homeChargingSharePct": 80,
        "homeChargingRate": 8,
        "publicChargingRate": 18,
        "chargingLossPct": 12,
        "annKm": 15000,
        "cash": false,
        "dp": 260000,
        "ir": 8.5,
        "tenure": 60,
        "acc": 0,
        "rto": 2700,
        "charger": 0,
        "insOverrideYr1": 0,
        "svcYr1": 0,
        "tyreCycleYrs": 3,
        "tyreLifeKm": 50000,
        "tyreSetCost": 18000,
        "fuelEscalPct": 3,
        "ncbMode": "max",
        "addonTotal": 0,
        "includeBattery": false,
        "batteryKwh": 0,
        "batteryWarrantyYears": 8,
        "batteryWarrantyKm": 160000
      },
      {
        "id": "example-ev",
        "label": "Electric configuration",
        "fuel": "ev",
        "make": "",
        "model": "",
        "variant": "",
        "exShowroom": 1600000,
        "eng": "mid",
        "mileage": 5.5,
        "fuelPrice": 10,
        "homeChargingSharePct": 80,
        "homeChargingRate": 8,
        "publicChargingRate": 18,
        "chargingLossPct": 12,
        "annKm": 15000,
        "cash": false,
        "dp": 320000,
        "ir": 8.5,
        "tenure": 60,
        "acc": 0,
        "rto": 2700,
        "charger": 35000,
        "insOverrideYr1": 0,
        "svcYr1": 0,
        "tyreCycleYrs": 4,
        "tyreLifeKm": 45000,
        "tyreSetCost": 24000,
        "fuelEscalPct": 3,
        "ncbMode": "max",
        "addonTotal": 0,
        "includeBattery": false,
        "batteryKwh": 0,
        "batteryWarrantyYears": 8,
        "batteryWarrantyKm": 160000
      }
    ]
  },
  "warnings": [
    {
      "label": "Petrol configuration",
      "warnings": [
        {
          "code": "stale_fuel_price",
          "severity": "warning",
          "field": "fuelPrice",
          "message": "Fuel price data is older than 7 days; baseline fallback may be in use."
        }
      ]
    },
    {
      "label": "CNG configuration",
      "warnings": [
        {
          "code": "stale_fuel_price",
          "severity": "warning",
          "field": "fuelPrice",
          "message": "Fuel price data is older than 7 days; baseline fallback may be in use."
        }
      ]
    },
    {
      "label": "Electric configuration",
      "warnings": []
    }
  ]
}

Open this example in the workspace →

What you can do today

Compare up to four vehicle configurations
Gross and resale-adjusted cost, cost/km and sensitivities
Editable price, finance, usage and energy assumptions
PDF, Excel and image export; browser saves

From question to useful output

1Enter or load configurations
2Compare costs on the same usage basis
3Inspect assumptions and sensitivity
4Export or save in this browser

Coverage, assumptions and limitations

Illustrative examples are not vehicle quotations
Saved scenarios stay in this browser, without account sync
Results depend on the supplied assumptions and modelled resale

Review methodology and sources →

Auto IQ · Learn and apply

Understand the method before using the result.

Tool Guide

How do you compare ownership costs on a fair basis?

Use the same distance, holding period and finance basis; inspect gross cost, resale-adjusted cost and sensitivity before presenting a comparison.

For Dealers · OEM commercial teams · Advisers

20 Oct 2026

Compare ownership costs for a sales or advisory workflow

Read the practical guide →

Continue with the capability you need.

API · Cost intelligence

Beta

Ownership Cost API

Add transparent ownership-cost calculations to a website, sales workflow or internal system.

You receive: An illustrative JSON contract and the existing transparent calculation methodology.

Coverage: Indian passenger vehicles · Supported assumptions
Access: Beta · production credits not yet on sale

View product Try the calculation

Tool · Cost intelligence

Free

Fleet Workspace

Compare vehicle configurations and operating assumptions for a fleet decision.

You receive: Vehicle-type comparisons, per-vehicle costs, fleet totals, cash flow and documented exports.

Coverage: Supported vehicle and operating assumptions
Access: Free to use · scenarios saved in this browser

View product Try the fleet example

Have a specific business requirement?

Tell us the decision, required output and integration context.

Discuss your requirement