What Will Your Car REALLY Cost?
What does my car REALLY cost?
Vehicle & finance
11.1%
Defaults are South African examples. Change them to match your situation.
The price of the car is not the cost of the car
A monthly instalment only tells you what the bank is owed. Owning a car in South Africa also means paying for insurance, fuel, servicing and tyres, licence and registration, and the tolls or parking you can't avoid. KOSTE adds those together so you can see one honest monthly number, what it comes to over a year, and what each kilometre actually costs you.
Don't start with the price. Start with what you're comfortable spending. Then work backwards. That's why this car cost calculator works in two directions.
Two ways to use it
I know the car — enter the price, deposit, interest rate and term along with how you drive, and KOSTE works out the real monthly cost of owning it.
I know my budget — enter what you're comfortable spending each month and KOSTE works backwards to estimate what car price could fit inside that budget once running costs are included. This is a planning estimate, not a bank affordability check or credit approval.