Total Cost of Ownership
Consumer Cost Workspace
Compare passenger-vehicle ownership costs for sales, advisory and business decisions. Inspect assumptions, compare configurations and export the result.
- 1Vehicle
- 2Usage
- 3Results
What goes into your ownership cost?
Choose a vehicle, price, annual kilometres and holding period. Review fuel or electricity rates, finance, insurance, maintenance and resale assumptions. Your result changes when these inputs change.
See a worked example and assumptions
Illustrative private purchase: ₹10 lakh on-road + ₹4 lakh running costs − ₹3 lakh resale = ₹11 lakh net cost. Over 50,000 km, that is ₹22/km before financing. Enter your loan details and specific running costs for a complete result.
These are arithmetic examples, not market prices or a forecast. Read the petrol versus EV guide →
Consumer Cost Workspace · free to use
Compare passenger-vehicle costs, inspect assumptions, and export the result. Saved work stays in this browser.
Need help choosing fair assumptions? Read the Auto IQ comparison guide ↗ without replacing your inputs.
Consumer workspace
Start with four inputs. Expert mode exposes every assumption when you need it.
Quick calculation
Your vehicle, your use, visible defaults
Maintenance, insurance, tyres and resale are filled from the canonical assumption set. You can inspect or change them in Expert mode.
Your estimated ownership cost
Lowest net ownership cost
Vehicle 1
Rs 14.60L
Rs 24.3K estimated per month over 5 years. Adjust any input to see what changes.
Download calculated output
On-road breakup
Rs 13.47L
- Ex-showroom
- Rs 12.00L
- Life Tax / RTA tax
- Rs 1.44L
- Registration and RTO fees
- Rs 2.7K
- Accessories
- Rs 0
How Life Tax is calculated
The MH private passenger-vehicle rule for Petrol is applied to the ex-showroom value of Rs 12.00L. The calculated Life Tax is Rs 1.44L, an effective rate of 12.00%.
Current state RTA rule
Decision table
Side-by-side comparison
Green cells identify the lowest ownership-cost option.
| Metric | |
|---|---|
| Fuel | Petrol |
| On-road price | Rs 13.47L |
| Life Tax | Rs 1.44L |
| Gross TCO | Rs 20.68L |
| Net TCO (5yr) | Rs 14.60L |
| Monthly ownership | Rs 24.3K |
| Cost per km | Rs 19.47 |
| Fuel / energy cost | Rs 4.82L |
| Maintenance | Rs 1.14L |
| Expected resale | Rs 6.07L |
| Difference vs lowest | Best value |
Cost stack
Scenario sensitivity
Base case
Rs 14.60L
Rs 19.47/km - Rs 24.3K/mo
Optimistic
Rs 13.93L
Rs 18.57/km - Rs 23.2K/mo
Conservative
Rs 15.29L
Rs 20.38/km - Rs 25.5K/mo
High-km sensitivity
Rs 16.94L
Rs 18.07/km - Rs 28.2K/mo
Low resale
Rs 15.51L
Rs 20.69/km - Rs 25.9K/mo