Depreciation Calculator
Find the true cost of owning an asset — depreciation loss, loan payments, insurance and one-time costs, per year and per month.
10 0003 000 000
0400,000
yr
1 yr20 yr
050 000 / mo
0 Total: 54,000 over 3 yr
One-Time Costs
Total one-time 20,000
Depreciation
250,000
−62.5% of value
Loan Payments
288,000
Insurance
54,000
One-Time Costs
20,000
Total Cost
612,000
Cost Per Year
204,000
Cost Per Month
17,000
Depreciation 250,000 Loan 288,000 Insurance 54,000 One-time 20,000
Yearly Breakdown
| Year | Asset Value | Deprec. | Loan | Insurance | One-time | Year Total |
|---|---|---|---|---|---|---|
| Year 1 | 316,667 | 83,333 | 96,000 | 18,000 | 6,667 | 204,000 |
| Year 2 | 233,333 | 83,333 | 96,000 | 18,000 | 6,667 | 204,000 |
| Year 3 | 150,000 | 83,333 | 96,000 | 18,000 | 6,667 | 204,000 |
What is asset depreciation?
Depreciation is the loss in value of an asset over time. A car that costs 400 000 today and is worth 150 000 in three years has depreciated by 250 000. This calculator adds loan payments, insurance and one-time costs (tires, rims, repairs) to show the full picture.
Why include insurance and one-time costs?
Insurance is a significant recurring expense often overlooked when calculating total ownership cost. One-time costs like new tyres, rims or major repairs may only occur once but are real money spent on the asset. Spreading them across the ownership period gives a true cost-per-year and cost-per-month figure.