🥇 #1 Decision EngineTrue 5-Year Ownership Reality
Vehicle Cost Reality Checker — Beyond the Showroom Price
Most car owners only think about the showroom sticker price and EMI. This engine uncovers your complete 5-year financial commitment—including fuel, insurance, maintenance, tyres, parking, FASTag tolls, and resale recovery—to reveal your true cost per month and true cost per kilometer.
Purchase & Loan Parameters
Usage, Running & Recurring Costs
Your Real 5-Year Cost
Ownership Anatomy
Vehicle on-road price₹10,50,000
Loan interest (5-yr total)₹2,08,060
Fuel / Energy₹4,22,069
Insurance (5 years)₹1,05,000
Periodic Service₹72,000
Tyres₹35,000
Parking₹60,000
FASTag / tolls₹42,000
Gross 5-Year Outflow₹20,49,129
Expected Resale Recovery-₹5,20,000
NET TRUE COST₹15,29,129
True Cost / Month
₹25,485
(EMI alone is ₹16,801)
True Cost / km
₹25.49
Over 60,000 km
Decision Intelligence Insight:
Your monthly operational outgo is ₹25,485. That means every day this vehicle sits parked in your garage, it depreciates and costs approximately ₹850/day.
⚠️ High ₹/km: At ₹25.49/km, taking premier on-demand cabs (Ola/Uber at ~₹18/km) is financially comparable without parking or maintenance hassles.
Lower Your Biggest Fixed Annual Cost: Motor Insurance
Renewing outside dealer showrooms saves up to ₹8,000 annually with identical zero-depreciation coverage:PolicyBazaar / AckoSave up to 60%
Zero Depreciation Motor Insurance Renewal
Compare 15+ insurers instantly. Includes bumper-to-bumper 100% parts cover, engine protection & 24x7 RSA.
Save up to ₹8,000 on Showroom Quotes
* Kagazo curates independent, high-reputation automotive suppliers. Prices and exchange scrap discounts are updated weekly.