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Keep or replace your vehicle?

Compare total cost of ownership over several years and get a clear recommendation.

Shared parameters

Example

Example values — edit them to match your situation.

Current vehicle

Example

Example values — edit them to match your situation.

Financing

Paid in cash — no financing interest.

New vehicle

Example

Example values — edit them to match your situation.

Financing

Once your values are entered, run the analysis below.

Results

This analysis is based on the assumptions you provided. Adjust the parameters to explore different scenarios.

Current vehicle
Total cost
$39,675
Monthly cost
$661
Cost per kilometer
0.4 $
New vehicle
Total cost
$45,793
Monthly cost
$763
Cost per kilometer
0.46 $

Estimated monthly payment: $601

Recommendation

Keeping your current vehicle looks more economical.

This decision could save you $6,118 over 5 years.

Keeping your vehicle wins mainly because the purchase price of the new vehicle exceeds the savings on fuel and maintenance.

Over 5 years and 100,000 km, the total gap is $6,118.

Savings with Current vehicle:$6,118

The main factors driving this decision

  • Depreciation: the current vehicle costs $9,000 less
  • Financing: the current vehicle costs $6,068 less
  • Annual: the new vehicle costs $6,000 less
  • Fuel: the new vehicle costs $4,950 less
  • Annual: the current vehicle costs $2,000 less

Cumulative cost over time

Cost breakdown

How does this analysis work?

Results depend on the information you provide. The tool compares estimated costs (purchase, resale, maintenance, insurance, fuel) based on the assumptions you choose, and projects them across the analysis period. Changing an assumption updates the results immediately.

Disclaimer

Decision Lab is an educational decision-support tool. Results are based on user-provided assumptions and are not financial, legal, tax, or professional advice.

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