About Vehicle calculators
Most people think about vehicle cost as the on-road price and the monthly EMI. The actual ongoing math is more involved - fuel per kilometre, annual insurance renewal based on IDV, depreciation that cuts resale value by 30–40% in the first three years, and for EVs, home charging versus public DC fast charging economics. Our vehicle calculators help you model these numbers for the specific cars you're actually comparing, rather than relying on generic estimates.
EMI, depreciation and IDV
The car EMI calculator factors down payment, processing fee, insurance and term - outputs match what private and public sector banks publish. The car depreciation calculator uses the IRDAI standard depreciation table that determines IDV (Insured Declared Value) for comprehensive insurance. After 5 years IRDAI says 'as mutually agreed' - we use a smooth taper that reflects market reality.
EV charging costs
The EV charging calculator handles every common charger type - household 15A plug, home wallbox, Type 2 AC at 11 kW or 22 kW, DC fast at 50 kW, DC ultra-fast at 150 kW. Output is energy drawn from the grid (after charging losses), time to go from current SOC to target SOC, and rupee cost at your tariff. For Indian customers, residential off-peak tariffs make home charging dramatically cheaper than DC fast - the tool makes that obvious.
Road trip planning
The road trip cost calculator combines distance, mileage, fuel price and tolls. For long highway trips it's surprisingly close to actual expense - assuming you stick to a steady cruise speed. City traffic typically reduces real mileage by 20-30% vs the ARAI figure, so adjust accordingly. The calculator lets you override mileage to whatever your odometer-tracked real-world average is.
Choosing between EV, petrol, diesel and CNG
Total cost of ownership changes as fuel prices, electricity tariffs and battery costs move. Running costs vary significantly by vehicle and usage - your city driving mileage can be 20–30% lower than the ARAI figure, which matters a lot in a fuel-cost comparison. Rather than rely on broad estimates, use the EV charging, fuel cost and car EMI calculators together with your actual odometer-tracked mileage and your local electricity tariff. That combination gives you a 5-year TCO for the specific vehicles you're comparing, not an industry average.
Insurance, registration and resale considerations
Beyond purchase price, vehicle ownership carries recurring costs the calculators above don't model directly: comprehensive insurance (5-8% of IDV per year for first owner, lower thereafter), registration (RTO road tax 6-12% of ex-showroom depending on state - Maharashtra and Karnataka being among the highest), and FASTag and toll fees if you commute on highways regularly. Resale value follows the IRDAI depreciation curve closely for the first five years; after that, condition and demand for your specific model matter more than age alone. Brands with strong service networks and parts availability hold value better, especially in Tier 2 and Tier 3 cities.