BEYOND THE STICKER PRICE

What does a car really cost?

Compare gas, hybrid, and electric ownership before you sign anything.

True monthly cost$983Payment + every ownership expense

Yearly cost$11,798What 12 months really adds up to

Loan payment$542Just one piece of the picture

Cost per mile$1.04Over 5 years

The car & the deal

Include the fees and taxes that dealers add to the advertised price.

Vehicle price$Down payment$Trade-in value$Still owed on trade-in$Rebates / incentives$Dealer or manufacturer savingsSales tax%Dealer / title fees$

Estimated amount financed $27,390

Financing

Longer loans lower the payment but often cost more in interest.

Interest rate (APR)%Loan lengthmoMonthly take-home pay$Years you will keep ityr

Total loan interest $5,151

Gas & driving

Your miles and fuel efficiency matter more than the tank size.

Miles driven per yearmiFuel economympgGas price$/gal

Estimated fuel each month $127

Insurance, upkeep & extras

The small recurring costs are what most first-time buyers forget.

Insurance per month$Registration per year$Maintenance per year$Oil, service, brakes, repairsTires per year$Parking per month$Tolls per month$Washes per month$Roadside / subscriptions$Annual depreciation%

SAME MILES, DIFFERENT ENERGY COSTS

Gas vs. hybrid vs. electric

Based on your 12,000 annual miles, your gas price, and your charging rates.

Gas$127/mo30 mpg · $1,520/year

Hybrid$79/mo48 mpg · $950/year

Electric$65/mo80% home charging · $782/year

Energy comparison only. Actual savings depend on each vehicle’s price, insurance, financing, maintenance, and available charging.

BEFORE YOU BUY

First-car buying checklist

Shop the out-the-door price

Ask for the full price with taxes, fees, add-ons, and trade-in numbers before agreeing to a monthly payment.

Get your insurance quote first

Insurance can vary a lot between cars, and younger drivers often pay more than expected.

Check the loan—not just the payment

A longer term can look affordable every month while adding thousands in interest.

Read the add-ons carefully

GAP, protection plans, warranties, tracking devices, and appearance packages can increase your loan.

EV? Know where you will charge

Compare your home electricity rate, public charger prices, installation costs, and everyday driving range.

Plan for the surprise expenses

Tires, repairs, parking, registration renewals, and rising insurance rates deserve room in your budget.