See what a bike or car really costs you each month, not just the instalment. Enter your own figures for the instalment, fuel, insurance or takaful, token tax and servicing, and the calculator adds them up with a breakdown. You can compare two vehicles side by side.
Every number is yours. This tool does not assume any cost, and fields you leave empty count as zero.
Loading the listed fuel prices…
Leave a field empty if it does not apply. Every figure is your own: this tool does not assume any cost.
Nothing you type is stored or sent anywhere. Results are estimates from the numbers you enter.
How to use the ownership cost calculator
- Check the petrol and diesel prices and the date shown at the top, and edit them if the pump price is different.
- Fill in the costs that apply to Vehicle A. Leave any field empty if it does not apply.
- Tick “Compare with a second vehicle” if you want to compare, for example, a bike and a car.
- Press “Calculate monthly cost” to see the monthly total, the yearly total, the cost per km and each item’s share.
How each cost is worked out
- Fuel per month = distance per month ÷ mileage × price per litre
- Insurance and token tax per month = the yearly amount you enter ÷ 12
- Total per month = instalment + fuel + insurance + token tax + servicing + parking and other
- Cost per km = total per month ÷ distance per month
Where to get each number
- Instalment: use the bike instalment calculator or the car instalment calculator.
- Mileage and fuel: measure your own mileage with the full-tank method on the petrol cost and mileage calculator, or plan a single journey with the trip fuel cost calculator, then check how long it will take with our journey time calculator. Know your mileage in another unit? Convert it with our fuel economy converter. Considering an electric bike? Compare running costs with our electric vs petrol bike running cost calculator.
- Token tax: estimate it with the vehicle token tax calculator.
- Insurance or takaful: estimate it with the vehicle insurance and takaful calculator.
- Servicing and repairs: use your own records or quotes from your workshop. Track when the next service is due with our vehicle service reminder calculator, and changing tyres? Compare sizes with our tyre size calculator. To see what a set of tyres costs per km, use our tyre cost per km calculator.
What this calculator does not include
- The down payment, the price of the vehicle or its resale value. Only your monthly costs are added up. To plan how long it takes to save a down payment, use our vehicle down payment savings planner. To compare your total with using ride-hailing instead, try our own vs ride-hailing cost calculator.
- Any cost you do not enter. If you forget tyres, fines or registration fees, they are not counted.
- Changes over time. Fuel prices, premiums and instalments can move, so recheck your figures.
Thinking of buying a Honda?
See the listed prices and specifications in our Honda bike prices in Pakistan guide, and compare CD 70 vs Pridor, CG 125 vs CB 125F and CG 150 vs CB 150F. Atlas Honda’s model pages do not state a fuel economy figure, so use your own measurement.
Ownership cost calculator FAQs
How do I work out the monthly cost of owning a bike or car?
Add the monthly instalment, the monthly fuel cost, a twelfth of the yearly insurance and token tax, and your monthly servicing and other costs. The calculator does this for you.
Which costs should I include?
Include every regular cost you pay. The calculator covers instalment, fuel, insurance or takaful, token tax, servicing and repairs, and parking or other costs.
Where does the fuel price come from?
It is the price listed on our petrol cost calculator, which is updated daily from published sources. The date is shown at the top. Pump prices can differ, so you can edit the price.
Does it suggest default costs?
No. We have not verified typical costs for any vehicle, so every field starts empty and uses only your numbers.
Is my data stored?
No. The calculation runs in your browser, and nothing you enter is sent to our servers.