A 2023 Land Rover Defender at roughly $20,460 is the default below. Swap year, price, miles per year, and any other assumption with one tap — the math updates live across eight cost categories using state-average insurance, fuel, and tax data plus our per-model depreciation curve.
Money out per month: recurring costs + loan payment. Doesn't include depreciation — see Resale below.
Estimates use state averages — your actual costs depend on driving history, exact zip, and insurer.
We model eight cost categories using deterministic math (no LLM in the loop). Depreciation is the per-model retention curve from our registry, anchored at your purchase price. Fuel uses state-average gasoline prices and the EPA combined MPG. Insuranceblends a state-average premium with your driver-age band and the vehicle’s class. Maintenanceis AAA’s per-class national average; repairs ramp with age and reliability tier. Financing is straight amortization at the APR your credit tier implies, and taxes & fees use the state sales-tax rate plus average registration. Toggle opportunity cost on to add a Vincentric-style 8th line for what your down payment would have earned invested instead.