Toyota Yaris
Score 801.5 VVT-i Comfort · 2020 · petrol
The cheap-to-run control sample.
3-year TCO
€12,797
€355/mo
Purchase price €14,900
Depreciation
€3,676
Fuel / charging
€3,902
Maintenance
€3,060
Insurance
€2,160
Residual value
€11,224
Coût total possession voiture
The true cost of a car is never what you think.
If you are searching for coût total possession voiture, calculer coût voiture par mois, or a total cost of ownership car calculator, you are asking the same question: combien coûte vraiment une voiture once the sticker shock is over?
Show the math, skip the sermon. Carpit breaks ownership into depreciation, insurance, fuel or charging, maintenance, and the financing reality you add on top if you borrow.
15,000 km
per year
36 months
ownership window
€355/mo
best sample cost
Sample scenario
3-year ownership snapshot
2026 assumptions
Same mileage. Same ownership window. Same core TCO model. The only question is which car burns the least money once you include resale.
Toyota Yaris
1.5 VVT-i Comfort · 2020 · petrol
Score 80
€12,797
True monthly cost
€355/mo
Residual value after 3 years
€11,224
Volkswagen Golf
1.5 TSI Life · 2019 · petrol
Score 63
€14,493
True monthly cost
€403/mo
Residual value after 3 years
€14,401
Renault Megane E-Tech
EV60 Techno · 2022 · electric
Score 59
€15,927
True monthly cost
€442/mo
Residual value after 3 years
€20,132
Quick read
The Yaris wins this scenario. The Golf costs about €1,696 more over 3 years. The Megane E-Tech has the lowest energy bill, but still ends up €3,130 above the Yaris because depreciation hits harder.
Calculateur TCO interactif
Calculez le vrai coût de votre voiture.
Renseignez les caractéristiques de votre véhicule pour obtenir une estimation complète du coût total de possession.
🧮
Remplissez le formulaire
pour voir vos résultats
What goes into TCO
Six cost lines. One clearer answer.
Good car decisions come from cost structure, not vibes. Here is the clean breakdown behind any serious car ownership cost calculator.
01
Purchase price
The sticker sets the starting line. A cheaper car can still cost more if it burns fuel, loses value fast, or keeps visiting the garage.
You do not pay the purchase price twice. You track what value disappears after you buy.
02
Depreciation
This is the big one. It is the gap between what you pay today and what the car is still worth when you sell it.
Carpit's engine models depreciation year by year based on age.
03
Insurance
Insurance is recurring drag. Small yearly differences become four figures if you keep the car long enough.
The sample comparison uses the insurance assumptions defined for each car scenario.
04
Fuel or charging
Petrol, diesel, hybrid, or electric. Your annual mileage multiplies every efficiency claim into real money.
The engine uses fuel-type price defaults from `lib/tco.ts`.
05
Maintenance
Servicing, consumables, and wear. Cheap cars are not cheap if every kilometre carries a repair tax.
Maintenance is modeled as a per-km cost so high-mileage drivers see the difference fast.
06
Financing
If you borrow, interest changes the monthly pain. The right way to compare cars is base TCO first, then add your financing rate on top.
The sample maths below stay financing-neutral so the car-to-car comparison uses the same baseline.
Mid-page CTA
Calculate your car's true cost.
The sample gap here is about €87 every month between the Yaris and the Megane E-Tech. Run your own mileage, budget, and fuel mix in Cockpit before you commit to the wrong monthly payment.
Example comparison
Three cars. Same scenario. Different bill.
Below is the exact breakdown from Carpit's shared TCO engine for a 3-year ownership window at 15,000 km per year. This is the useful way to answer true cost of owning a car, not a sales brochure.
Method
- Reference year: 2026 used-car market values.
- Usage: 15,000 km per year for 36 months.
- Costs shown: depreciation, fuel or charging, maintenance, and insurance.
- Financing stays separate so the vehicle comparison remains apples to apples.
Volkswagen Golf
Score 631.5 TSI Life · 2019 · petrol
More car. Also more drag.
3-year TCO
€14,493
€403/mo
Purchase price €18,500
Depreciation
€4,099
Fuel / charging
€4,514
Maintenance
€3,510
Insurance
€2,370
Residual value
€14,401
Renault Megane E-Tech
Score 59EV60 Techno · 2022 · electric
Low running cost, heavier depreciation hit.
3-year TCO
€15,927
€442/mo
Purchase price €28,900
Depreciation
€8,768
Fuel / charging
€1,969
Maintenance
€2,250
Insurance
€2,940
Residual value
€20,132
Sticker price lies by omission.
The Yaris is the cheapest to buy here. It is also the cheapest to own. That alignment is not guaranteed, which is why purchase price alone is a bad filter.
Cheap energy is not the whole win.
The Megane E-Tech crushes energy spend. Depreciation still pushes it to the most expensive 3-year total in this sample.
Monthly thinking needs full context.
A payment you can afford is not the same as a car that is good value. Run the ownership math before you run the finance quote.
FAQ
The questions people actually ask.
What is total cost of ownership for a car?
It is the full cost of keeping a car on the road, not just the purchase price. The useful breakdown is purchase context, depreciation, insurance, fuel or charging, maintenance, and financing if you borrow. Carpit's base model calculates the first five cost drivers directly and keeps financing as a scenario overlay.
Comment calculer le coût voiture par mois ?
Start with three numbers: how much value the car loses, how much energy it uses, and how much you spend on insurance and maintenance over the period you keep it. Add those costs together, then divide by the number of ownership months. On this page's Toyota Yaris example, €12,797 over 36 months works out to about €355 per month.
Combien coûte vraiment une voiture sur 3 ans ?
On this page's 15,000 km/year scenario, the Toyota Yaris lands at about €12,797 over 3 years, the Volkswagen Golf at €14,493, and the Renault Megane E-Tech at €15,927. The cheapest sticker is not the only answer, and the cheapest energy bill is not either. Depreciation moves the result hard.
Does an electric car always win on TCO?
No. Electric cars usually win on energy and maintenance, but they can lose on depreciation and insurance. In this sample comparison, the Megane E-Tech has the lowest charging and maintenance costs but still ends up with the highest 3-year TCO because the depreciation hit is much larger.
Is financing included in these TCO examples?
Not in the side-by-side sample table. Those numbers come straight from Carpit's shared TCO engine so each car is compared on the same ownership baseline. If you finance the purchase, add your interest cost after the base comparison. That changes the monthly cash flow, but it should not hide the car's underlying economics.
Final CTA
Run your own numbers before the seller runs theirs.
Cockpit lets you compare budget, mileage, and fuel types in one place. If you want a car ownership cost calculator that actually shows the bill, start there.