Actual Car Cost Calculator

See the REAL monthly cost of a car listing — loan, insurance, fuel, maintenance, and depreciation, not just the sticker price.

Actual Car Cost Calculator shows you what a car really costs, every month — not just the sticker price. Car listings show you a price. They don't show you the loan payment at your actual rate, what insurance will run for that specific vehicle, how much you'll spend on gas, what maintenance typically costs for that make and model, or how fast it'll lose value. This extension puts all of that in one place, right on the listing you're already looking at. HOW IT WORKS Click the extension while viewing a vehicle listing on CarGurus, CarMax, AutoTrader, or Cars.com. It reads the year, make, model, price, and mileage straight off the page, and you fill in a few details about your situation — down payment, credit range, ZIP code, and so on. It calculates the true monthly cost instantly, with no account and no sign-up. WHAT YOU GET - Full monthly cost breakdown: loan payment, insurance, fuel, maintenance, depreciation, and taxes/fees - A Good Deal / Priced High indicator, based on real depreciation data for that specific model — not a guess - Hidden cost warnings when a vehicle's maintenance, insurance, or depreciation is unusually high for its class - Similar vehicle suggestions when a comparable model holds its value meaningfully better - History and side-by-side comparison of every vehicle you've looked up - A clear callout if a vehicle's true cost runs meaningfully over the monthly budget you set FREE TO USE Five vehicle calculations every two days, completely free, with every feature unlocked. Revisiting or recalculating a vehicle you've already looked up is always free and never counts against that limit. If you're shopping intensively, a 30-Day Car Shopping Pass ($4.99, one time, not a subscription) unlocks unlimited calculations for 30 days. PRIVACY The extension only reads a page when you click it — never in the background. Your preferences and history are stored locally on your device. Full privacy policy available from the extension and at [YOUR LANDING PAGE URL]/privacy.html. Actual Car Cost Calculator is an independent tool and is not affiliated with or endorsed by CarGurus, CarMax, AutoTrader, or Cars.com. All figures are estimates for informational purposes only — not a loan offer, insurance quote, or guarantee of value.