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Car Cost Calculator

See the true monthly cost of owning a car — finance, fuel, insurance, tax, servicing, and more.

Finance details
€25k
€5k€80k
€5.0k
None20% down€24.0k
3 years
1 year5 years
7.9%
3.0%Irish avg ~7–9%20.0%
€7.0k
None28% of price€19.5k
Typically 30–40% of car price. At term end: pay it to own the car, return it, or start a new PCP.
Amount financed€20,000
Total interest charged€3,303
Running costs
Your estimate
€/month
Fuel type
Typical: 5–9L
L/100km
~12k km/year
km/month
€/litre
Parts, labour, tyres
€/year

Guidance only. Finance uses standard amortisation. Insurance and servicing are estimates — actual costs vary. Read all finance agreement terms before signing. Full disclaimer →

Estimated total monthly cost
€718/month
Finance repayment
€453/mo
Running costs
€265/mo
Over 3 yrs
€25,856
Monthly breakdown
PCP repayment€453/mo
Insurance€100/mo
Fuel€107/mo
Motor tax€31/mo
Servicing & tyres€25/mo
NCT (averaged)€2/mo
Itemised costs
PCP repayment
€20,000 at 7.9% APR over 3 yrs + €7,000 balloon
€453/mo
Insurance
Monthly estimate
€100/mo
Fuel
1,000km/mo · 6.5L/100km · €1.65/litre
€107/mo
Motor tax
B1 – 121–130g CO₂ — €370/yr
€31/mo
Servicing & tyres
€300/yr estimate
€25/mo
NCT
€55 per test, every 2 years
€2.29/mo
Total per month€718
Cost of ownership over 3 years
Deposit (upfront)
€5,000
PCP repayments
36 monthly payments
€16,303
Balloon payment (if kept)
Optional — return car to skip this
€7,000
Interest charged
€3,303
Running costs
Fuel, tax, insurance, servicing, NCT
€9,554
Total cost to own (if kept)
Without balloon: €30,856
€37,856

PCP note: Most people don't pay the balloon — they return the car or roll into a new deal. The balloon is only due if you want to keep the car outright.

🇮🇪 Irish car buying tips
  • PCP is popular but you don't own the car until the balloon is paid — HP means you own it outright at the end
  • Check VRT (Vehicle Registration Tax) if importing a UK or EU car — it can add thousands
  • Motor tax is based on CO₂ for cars registered after July 2008; engine cc for older cars
  • NCT is required every 2 years once a car is over 4 years old — €55 per test
  • Compare car insurance every renewal — switching typically saves €100–300+