Ownership Cost Calculators
Ownership cost calculators that answer what a car really costs per mile, and nothing else: the true cost per mile calculator adds fuel, straight-line depreciation, insurance, and maintenance into one all-in figure, prices IRS mileage reimbursement at the verified business rate, and checks whether delivery driving pays for itself at your per-mile earning — with every component's math shown.
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Ownership Cost FAQs
For business driving, 76 cents per mile for miles driven July 1 – December 31, 2026 (IRS Announcement 2026-11 / IR-2026-29, confirmed from irs.gov at build time). The reimbursement mode defaults to that rate but stays editable for other periods — 72.5 cents for January 1 – June 30, 2026, 14 cents for charity miles, and 23.5 cents for medical miles in July–December 2026.
Everything beyond the pump: depreciation, insurance, and maintenance, added to fuel. The fuel calculator is fuel-only on purpose, so its number can be checked against a pump receipt. The all-in figure here is the ownership figure — for example, fuel $0.14 + depreciation $0.20 + insurance $0.08 + maintenance $0.00 = $0.42 per mile in the illustrative example — and it still excludes tolls, parking, registration, and loan interest.
Cost estimates only — actual ownership costs vary with vehicle, driving, and location. Not tax advice. Read the disclaimer.