Hybrid Ownership Planner Calculator

Calculator Inputs

Use the fields below to model real-world hybrid ownership costs.

Ownership horizon (years)

Planning window for totals and average costs.

Purchase price

$

Vehicle price before taxes and fees.

Sales tax rate

%

Applied to purchase price.

Incentives / rebates

$

Reduces total cost (not negative).

Down payment

$

Cash paid up front.

Trade-in credit

$

Value applied toward the purchase.

Loan APR

%

Used for monthly payment and interest.

Loan term

months

Set 0 if paying cash.

Loan / doc fees

$

One-time financing or documentation fees.

Annual miles

mi/yr

Driving volume drives fuel and maintenance costs.

Fuel economy

mpg

Use combined MPG for your driving mix.

Fuel price

$ /gal

Used for annual fuel cost calculations.

Electric miles share (optional)

%

Use 0 for non plug-in hybrids.

Energy use for electric miles

kWh/100mi

Used only when electric share is above 0%.

Electricity price

$ /kWh

Set to 0 if not applicable.

Maintenance per mile

$ /mile

Oil, tires, brakes, service, small repairs.

Insurance (annual)

$

Will grow with the “other costs” rate.

Registration / inspections (annual)

$

Permits, inspections, stickers, etc.

Other annual fees

$

Parking permits, toll tags, subscriptions, etc.

Energy cost growth

%/yr

Applies to fuel and electricity prices each year.

Other cost growth

%/yr

Applies to insurance, maintenance, fees.

Resale value at end of horizon

$

Used for depreciation estimate.

Battery replacement cost (optional)

$

Leave 0 if not expected.

Battery replacement year

year

0 disables. Must be within the horizon to count.

Optional comparison

Estimate whether hybrid efficiency offsets price differences.

Enable gas comparison

Gas vehicle purchase price

$

Gas vehicle MPG

mpg

Gas vehicle resale value

$

Reset

Tip: For plug-in hybrids, set electric share and kWh/100mi.

Formula Used

Monthly loan payment: PMT = P × (r(1+r)^n)/((1+r)^n − 1), where r = APR/12 and n is months.
Interest paid within your horizon is summed from a month-by-month amortization schedule.
Depreciation: Dep = max(0, PurchasePrice − ResaleValue).
Fuel cost per year: Gallons = GasMiles / MPG, FuelCost = Gallons × FuelPrice, with yearly growth.
Electric cost per year (optional): kWh = EVmiles × (kWhPer100/100), ElecCost = kWh × ElecPrice, with yearly growth.
Total Cost of Ownership (TCO): depreciation + interest + energy + maintenance + insurance + fees + taxes − incentives.

How to Use This Calculator

Set your ownership horizon and expected annual miles.
Enter purchase price, taxes, incentives, and financing details.
Provide fuel economy and current fuel price; add electric settings if needed.
Estimate maintenance, insurance, and annual fees; adjust growth rates.
Press Calculate to view TCO, per-mile cost, and exports.

Example Data Table

Sample inputs and outputs for a typical hybrid scenario.

Scenario	Horizon	Annual Miles	Price	MPG	Fuel Price	Resale	Estimated TCO	Cost/Mile
Hybrid (sample)	5 years	12,000	$32,000	48	$3.60/gal	$16,000	Varies by inputs	Varies by inputs
Plug-in hybrid (sample)	5 years	12,000	$36,000	42 (gas miles)	$3.60/gal	$18,000	Varies by EV share and electricity price	Varies by EV share and electricity price

For exact numbers, enter your values above and calculate.

Calculator Inputs

Formula Used

How to Use This Calculator

Example Data Table

Related Calculators