9 calculators for car payments, ownership costs, fuel and mileage
A car is a stream of costs wearing a sticker price: loan interest, depreciation (the biggest expense nobody budgets), fuel, insurance and maintenance. The tools here price each piece. The Car Payment calculator turns any offer into a monthly number; Depreciation shows what the vehicle will actually be worth when you're done with it; Lease vs Buy and EV vs Gas settle the two most argued-about questions in car buying with arithmetic instead of opinions.
The driving-cost tools — Gas Mileage, Commute Cost, Mileage Reimbursement — handle the everyday math of operating a vehicle, including the IRS standard mileage rate for business drivers. Everything runs in your browser, free and unlimited.
The real monthly payment — price, tax, trade-in and rolled-over negative equity included — with the 20/4/10 affordability check. Open the Car Payment →
Ten-year value curves by retention class, depreciation cost per year, and the 2–4 year sweet spot that makes used buyers rich(er). Open the Depreciation →
Nine years, three strategies — serial leasing, finance-and-keep, used-and-keep — totaled honestly with equity counted at the end. Open the Lease vs Buy →
Reimbursement math at the 2026 IRS rate for employees, employers and client invoicing — plus whether $0.70 actually covers your vehicle. Open the Reimbursement →
Warranty price against brand-adjusted expected repairs, the claim-denial reality, and the self-insurance fund that usually wins. Open the Extended Warranty →
Fuel + wear + your valued hours = the real annual price of the drive — the number that reprices job offers and housing choices. Open the Commute Cost →
How to Choose the Right Tool
Buying: run Car Payment first, then Depreciation on the specific model class — a cheap payment on a fast-depreciating car is not cheap. Torn between leasing and financing, Lease vs Buy compares total cost over your actual keep-horizon, and EV vs Gas prices the fuel-and-maintenance gap for electric. Owning: Gas Mileage tracks real MPG, Commute Cost reveals what the drive to work costs per year, and Mileage Reimbursement calculates business-mile deductions at the current IRS rate.
Frequently Asked Questions
What interest rates do the loan tools assume?
You enter the rate — defaults reflect current average auto-loan APRs by credit tier, noted on the tool, but the number from your actual offer is the one that matters.
How accurate is the depreciation calculator?
It uses well-documented average depreciation curves (steepest in years 1–3, flattening after). Individual models vary — trucks and Toyotas hold value better than luxury sedans — so the tool lets you pick a retention profile.
Is the IRS mileage rate current?
The Mileage Reimbursement tool states the rate year it uses and lets you override the per-mile rate whenever the IRS updates it.
Do these tools store my vehicle or trip data?
No — everything computes locally in your browser and is forgotten when you close the tab.
Explore More WiserWork Categories
WiserWork offers 295 free browser-based tools across 22 categories — all private, all free, no sign-up required.