RATIOXA CARS · Decision tool
Full car cost
Calculate depreciation, energy, insurance, tax, upkeep and finance cost per month and kilometre.
11 inputsDetailed comparisonSaved locally on this device.
DECISION PACK
Full car cost
Created: 18/08/2026 · total-cost@5.0
Important: Scenario calculation based on your assumptions; not purchase or financing advice.
Result · Why?
Close result — only €24,013 apart
Total cost includes expenses that are easy to miss in a monthly payment.
Difference€24,013
Total cost
Depreciation
Result robustness
Robust within tested range
The leading option remains ahead across the automatic ±10% input tests.
- Holding periodApprox. change in result: €4,163
- Kilometres per yearApprox. change in result: €971
- Consumption per 100 kmApprox. change in result: €971
RATIOXA STORY
Your Decision Story
- 1
Total cost: €42,013
- 2
Depreciation: €18,000
- 3
Both options leads in the base case.
Calculation Health
Quick estimate
Add more of your own values to strengthen the scenario.
- + Purchase price
- + Expected resale value
- + Holding period
RATIOXA IMPACT MAP
What matters most?
Holding period€4,163
Kilometres per year€971
Consumption per 100 km€971
Energy price per unit€971
Insurance per year€475
Maintenance per year€375
Higher impact →Key insight
Your decision is most vulnerable to changes in Holding period.
Total cost includes expenses that are easy to miss in a monthly payment.
SCENARIO RANGE · DETERMINISTIC
Stress-test this decision
Compare everything
Total costDepreciation
Result value€42,013€18,000
Difference——
Depreciation€18,000€24,000
Energy€9,713—
Fixed costs€5,850—
Upkeep + repairs€5,250—
Interest€3,200—
RATIOXA FLOW
Next useful steps
SCENARIO RANGE
Conservative · Base · Optimistic
Locked assumptions
TRUST CHECK
Fair Comparison Check
- ✓Same comparison horizon
- ✓Comparable cash flows
- ✓Residual values and balances included
- ✓Inputs are internally consistent
Not included in the model
- Contract terms, eligibility and taxes outside the entered values
- Personal risk tolerance and liquidity needs
- Professional legal, tax, finance or energy advice
Assumption freshness
Decision readiness
0/11 inputs replaced with your own or transferred values · 4 real-world details still worth checking
- ○ Have both alternatives been compared over the same period?
- ○ Are all one-off costs and fees confirmed?
- ○ Are resale value, remaining debt and end assets documented?
- ○ Have you tested a cautious range for uncertain assumptions?
TRANSPARENT MATH
Formula inspector
Calculation steps
- Purchase price is not counted in full: resale value is deducted.
- All running costs are summed over the selected holding period.
Substitution with your values
Sum of displayed components A = 18000.00 + 9712.50 + 5850.00 + 5250.00 + 3200.00 = 42012.50Sum of displayed components B = 24000.00 = 24000.00Total: 42012.50 / 18000.00SOURCE SNAPSHOT
Official reference context
Context only. RATIOXA never substitutes a policy rate or survey result for your personal offer.
Bundesministerium der Finanzen · GermanyEV vehicle-tax registration cutoff: 2030-12-31 Effective 2026-01-01 · Verified 2026-08-17
Caution: Individual duration depends especially on registration date and ends no later than 2035.
Primary source ↗CURRENT CONTEXT
Relevant developments
A sourced update may affect one of your assumptions. RATIOXA never changes a value silently.
CARS
German EV vehicle-tax exemption extended
An EV TCO comparison should not assume identical vehicle tax for both drivetrains by default.
May affect: EV vehicle tax · Petrol vehicle taxImportant: Scenario calculation based on your assumptions; not purchase or financing advice.
WHAT-IF
Snapshot current scenario
IMPORTANT DOCUMENTS
Prepare the decision
● Saved locallyQUESTIONS TO ASK
Ask before you sign
- Which one-off costs apply?
- Which assumptions apply to return or resale?
- Which costs are excluded from the payment?
EXTERNAL OFFERS · SEPARATE FROM THE CALCULATION
Explore real offers
The independent RATIOXA result above never changes based on these links.
External websites are independent from RATIOXA. No commercial partnership is implied.
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