{"id":4532,"date":"2026-08-20T20:09:48","date_gmt":"2026-08-20T20:09:48","guid":{"rendered":"https:\/\/invoice-pricing.com\/cars\/?post_type=buying-tip&#038;p=4532"},"modified":"2026-08-21T12:47:07","modified_gmt":"2026-08-21T12:47:07","slug":"car-total-cost-of-ownership-worksheet","status":"publish","type":"buying-tip","link":"https:\/\/invoice-pricing.com\/cars\/buying-tip\/car-total-cost-of-ownership-worksheet\/","title":{"rendered":"Total Cost of Ownership Worksheet: Compare Two New Cars Beyond MSRP"},"content":{"rendered":"\n<main id=\"ip-tco\" style=\"font-family:&apos;Montserrat&apos;,&apos;Open Sans&apos;,sans-serif;font-size:.9375em;color:#212529;line-height:1.65;display:block;width:100%;max-width:100%;position:relative;background:#fff\">\n  <section style=\"display:block;width:100%;max-width:100%;overflow:hidden;background:linear-gradient(135deg,#0d1f2e 0%,#1a2d3d 55%,#243f57 100%);color:#fff;padding:clamp(40px,7vw,68px) 0 clamp(38px,6vw,58px)\">\n    <div style=\"max-width:1180px;margin:0 auto;padding:0 clamp(16px,3vw,22px);display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr));gap:clamp(26px,4vw,48px);align-items:start;min-width:0;width:100%\">\n      <div style=\"min-width:0;padding-top:8px\">\n        <span style=\"display:inline-block;color:#9ee8f8;padding:6px 14px;border-radius:999px;font-size:10.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px\">Car Buyer Action Kit<\/span>\n        <h1 style=\"font-family:&apos;Montserrat&apos;,sans-serif;font-size:clamp(30px,4vw,50px);font-weight:900;line-height:1.06;letter-spacing:-.03em;color:#fff;margin:0 0 16px\">Total Cost of Ownership Worksheet: Compare Two New Cars Beyond MSRP<\/h1>\n        <p style=\"font-size:1rem;line-height:1.65;margin:0 0 14px\">The lower sticker price is not always the lower-cost vehicle. Compare two finalists across five years of depreciation, financing, insurance, energy, maintenance, repairs, taxes, registration, and resale value.<\/p>\n        <div style=\"display:flex;flex-wrap:wrap;gap:12px;margin:20px 0 14px\">\n          <a href=\"https:\/\/invoice-pricing.com\/?engine=organic\" style=\"text-decoration:none;display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 26px;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;font-size:.9rem;line-height:1.2;text-align:center;border:2px solid transparent;border-radius:30px;color:#fff;background:#0696bf\">Start With Invoice-Pricing.com<\/a>\n          <a href=\"#baseline\" style=\"text-decoration:none;display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 26px;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;font-size:.9rem;line-height:1.2;text-align:center;border-radius:30px;color:#fff;background:transparent\">Compare Two Vehicles<\/a>\n        <\/div>\n        <p style=\"font-size:1rem;line-height:1.65;margin:0 0 14px;font-size:.82rem;margin:0\">Updated August 17, 2026 \u00b7 Invoice-Pricing.com Editorial Team<\/p>\n      <\/div>\n      <aside aria-label=\"Count the costs after delivery\" style=\"min-width:0;background:#fff;color:#212529;border-radius:20px;padding:26px 28px 28px\">\n        <span style=\"display:inline-block;background:#e0f5fb;color:#056d8a;border-radius:999px;padding:4px 11px;font-size:.68rem;font-weight:900;text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px\">Five-year ownership view<\/span>\n        <h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(18px,2.2vw,24px);font-weight:800;line-height:1.2;margin:0 0 10px;letter-spacing:-.02em\">Count the costs after delivery<\/h2>\n        <p style=\"color:#5d6b7a;font-size:.88rem;margin:0 0 16px;line-height:1.6\">Use the same time, mileage, location, fuel assumptions, and financing horizon for both vehicles.<\/p>\n        <div style=\"display:grid;gap:8px;margin:0 0 20px\"><div style=\"display:flex;align-items:center;justify-content:space-between;gap:10px;background:#f4f8fb;border:1px solid #dbe5f0;border-radius:10px;padding:10px 14px;font-weight:700;font-size:.85rem\"><span style=\"color:#212529\">Purchase<\/span><strong style=\"color:#0696bf;text-align:right\">OTD + financing<\/strong><\/div><div style=\"display:flex;align-items:center;justify-content:space-between;gap:10px;background:#f4f8fb;border:1px solid #dbe5f0;border-radius:10px;padding:10px 14px;font-weight:700;font-size:.85rem\"><span style=\"color:#212529\">Value loss<\/span><strong style=\"color:#0696bf;text-align:right\">Depreciation<\/strong><\/div><div style=\"display:flex;align-items:center;justify-content:space-between;gap:10px;background:#f4f8fb;border:1px solid #dbe5f0;border-radius:10px;padding:10px 14px;font-weight:700;font-size:.85rem\"><span style=\"color:#212529\">Protection<\/span><strong style=\"color:#0696bf;text-align:right\">Insurance<\/strong><\/div><div style=\"display:flex;align-items:center;justify-content:space-between;gap:10px;background:#f4f8fb;border:1px solid #dbe5f0;border-radius:10px;padding:10px 14px;font-weight:700;font-size:.85rem\"><span style=\"color:#212529\">Operation<\/span><strong style=\"color:#0696bf;text-align:right\">Fuel + maintenance<\/strong><\/div><div style=\"display:flex;align-items:center;justify-content:space-between;gap:10px;background:#f4f8fb;border:1px solid #dbe5f0;border-radius:10px;padding:10px 14px;font-weight:700;font-size:.85rem\"><span style=\"color:#212529\">Exit<\/span><strong style=\"color:#0696bf;text-align:right\">Payoff + resale<\/strong><\/div><\/div>\n        <a href=\"https:\/\/invoice-pricing.com\/?engine=organic\" style=\"text-decoration:none;display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 26px;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;font-size:.9rem;line-height:1.2;text-align:center;border:2px solid transparent;border-radius:30px;color:#fff;background:#0696bf;display:flex;width:100%\">Check My Invoice Price<\/a>\n      <\/aside>\n    <\/div>\n  <\/section>\n\n  <section aria-label=\"Resource highlights\" style=\"display:block;width:100%;max-width:100%;overflow:hidden;background:#fff;border-bottom:1px solid #dbe5f0\">\n    <div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));padding-top:0;padding-bottom:0\">\n      <div style=\"padding:18px 16px;border-right:1px solid #dbe5f0\"><strong style=\"display:block;color:#1a2d3d;font-size:.88rem\">Action focused<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.78rem;margin-top:2px\">Built for a real dealership decision<\/span><\/div>\n      <div style=\"padding:18px 16px;border-right:1px solid #dbe5f0\"><strong style=\"display:block;color:#1a2d3d;font-size:.88rem\">Printable worksheet<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.78rem;margin-top:2px\">No account or calculator required<\/span><\/div>\n      <div style=\"padding:18px 16px;border-right:1px solid #dbe5f0\"><strong style=\"display:block;color:#1a2d3d;font-size:.88rem\">Buyer controlled<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.78rem;margin-top:2px\">Compare facts before committing<\/span><\/div>\n      <div style=\"padding:18px 16px\"><strong style=\"display:block;color:#1a2d3d;font-size:.88rem\">Source reviewed<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.78rem;margin-top:2px\">Government and expert guidance<\/span><\/div>\n    <\/div>\n  <\/section>\n\n  <section style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\">\n    <div style=\"background:#e0f5fb;border:1px solid #b3e2f0;border-left:5px solid #0696bf;border-radius:12px;padding:22px 24px\"><p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase;font-size:.93rem\">Quick answer<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px\">How do you calculate the total cost of owning a car?<\/h2><p style=\"margin:0 0 14px;color:#212529;margin-bottom:0\">Choose a time period and expected mileage, then total acquisition costs, financing charges, insurance, fuel or electricity, maintenance, repairs, taxes, registration, parking, tolls, charging equipment, and other vehicle-specific expenses. Subtract the vehicle&#8217;s conservative resale or trade value at the end of the period, and account for any remaining loan payoff. Use the same assumptions for every vehicle and calculate low, expected, and high scenarios rather than relying on one resale or fuel forecast.<\/p><\/div>\n    <nav aria-label=\"On this page\" style=\"display:flex;flex-wrap:wrap;gap:8px;margin-top:14px\"><a href=\"#baseline\" style=\"text-decoration:none;background:#fff;border:1px solid #b3e2f0;border-radius:999px;padding:6px 11px;font-size:.75rem;color:#056d8a;font-weight:700\">Shared assumptions<\/a><a href=\"#acquisition\" style=\"text-decoration:none;background:#fff;border:1px solid #b3e2f0;border-radius:999px;padding:6px 11px;font-size:.75rem;color:#056d8a;font-weight:700\">Acquisition cost<\/a><a href=\"#operating\" style=\"text-decoration:none;background:#fff;border:1px solid #b3e2f0;border-radius:999px;padding:6px 11px;font-size:.75rem;color:#056d8a;font-weight:700\">Operating costs<\/a><a href=\"#depreciation\" style=\"text-decoration:none;background:#fff;border:1px solid #b3e2f0;border-radius:999px;padding:6px 11px;font-size:.75rem;color:#056d8a;font-weight:700\">Depreciation<\/a><a href=\"#total\" style=\"text-decoration:none;background:#fff;border:1px solid #b3e2f0;border-radius:999px;padding:6px 11px;font-size:.75rem;color:#056d8a;font-weight:700\">Final comparison<\/a><a href=\"#faqs\" style=\"text-decoration:none;background:#fff;border:1px solid #b3e2f0;border-radius:999px;padding:6px 11px;font-size:.75rem;color:#056d8a;font-weight:700\">FAQs<\/a><\/nav>\n  <\/div><\/section>\n\n  <section id=\"baseline\" style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\"><p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase\">Normalize before comparing<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px\">Set one ownership scenario for both vehicles<\/h2><p style=\"margin:0 0 24px;font-size:1rem;color:#5d6b7a;max-width:900px\">A fair comparison holds the driver&#8217;s life constant. Otherwise, different loan terms, mileage, energy prices, or ownership periods can manufacture a winner.<\/p><div style=\"background:#fff;border:2px solid #b3e2f0;border-radius:14px;padding:22px\">\n<h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\">Shared five-year assumptions<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,360px),1fr));gap:18px;width:100%;min-width:0\">\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Ownership period<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Recommended comparison: 5 years<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Total expected miles<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Annual miles \u00d7 ownership years<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">ZIP code \/ registration state<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Taxes, fees, insurance, energy<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Cash available<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Use the same down-payment assumption<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Loan term compared<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Same term where possible<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Credit \/ APR assumption<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Use qualified quotes, not ads<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Fuel price assumption<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Include realistic local range<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Electricity price assumption<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Home and public charging mix<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Insurance driver profile<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Same drivers and coverage<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">End-of-period condition<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Mileage, condition, accident assumptions<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<\/div><\/div><div style=\"background:#fff8e6;border:1px solid #ffe0a3;border-left:5px solid #db9700;border-radius:12px;padding:22px 24px;margin-top:20px\"><h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\">Separate universal costs from vehicle differences<\/h3><p style=\"margin:0 0 14px;color:#212529\">Parking and tolls may be identical for both vehicles, but fuel type, insurance premium, tire cost, maintenance schedule, registration method, charging needs, depreciation, and financing can differ substantially.<\/p><\/div><\/div><\/section><section id=\"acquisition\" style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0;background:#f4f8fb\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\"><p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase\">Start with the complete deal<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px\">Compare acquisition and financing, not MSRP alone<\/h2><p style=\"margin:0 0 24px;font-size:1rem;color:#5d6b7a;max-width:900px\">Use itemized quotes for the exact configurations. Remove trade-in and down-payment differences from the vehicle comparison unless you intentionally want to model cash-flow choices.<\/p><div style=\"width:100%;max-width:100%;border-radius:12px;border:1px solid #dbe5f0;background:#fff\">\n<table style=\"width:100%;min-width:820px;border-collapse:collapse;border-spacing:0\">\n<thead><tr>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Acquisition input<\/th>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Vehicle A<\/th>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Vehicle B<\/th>\n<\/tr><\/thead><tbody>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Year \/ make \/ model \/ trim<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">________________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">________________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">VIN or representative configuration<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">________________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">________________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">MSRP<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Negotiated selling price<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Eligible incentives<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Dealer add-ons<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Dealer and government fees<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Sales \/ use tax<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Itemized OTD price<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Cash down used in model<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Amount financed<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">APR \/ term<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">_____ % \/ _____ months<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">_____ % \/ _____ months<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Finance charge over modeled period<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<\/tbody><\/table><\/div><p style=\"margin:0 0 14px;color:#212529;margin-top:14px\">Use the <a href=\"https:\/\/invoice-pricing.com\/cars\/buying-tip\/compare-new-car-quotes\/?engine=organic\" style=\"text-decoration:none;color:#056d8a;font-weight:700\">new car quote comparison guide<\/a> to make sure the two OTD totals include equivalent items and conditions.<\/p><\/div><\/section><section id=\"operating\" style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\"><p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase\">The cost to live with it<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px\">Five-year operating-cost worksheet<\/h2><p style=\"margin:0 0 24px;font-size:1rem;color:#5d6b7a;max-width:900px\">Use manufacturer schedules, insurer quotes, vehicle-specific tire prices, local energy costs, and your expected mileage. Label estimates rather than presenting them as guaranteed costs.<\/p><div style=\"width:100%;max-width:100%;border-radius:12px;border:1px solid #dbe5f0;background:#fff\">\n<table style=\"width:100%;min-width:980px;border-collapse:collapse;border-spacing:0\">\n<thead><tr>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Five-year cost category<\/th>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Vehicle A<\/th>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Vehicle B<\/th>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Evidence \/ assumption<\/th>\n<\/tr><\/thead><tbody>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Insurance premiums<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Matched quote and coverage<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Gasoline \/ diesel<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Miles \u00f7 realistic MPG \u00d7 price<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Home electricity<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">kWh\/mile \u00d7 miles \u00d7 rate<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Public \/ fast charging<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Expected share and price<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Home charging equipment \/ installation<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Net equipment and electrical work<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Scheduled maintenance<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Owner schedule and local prices<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Expected tires<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Size, wear, quantity, installation<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Expected repairs after coverage<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Scenario estimate<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Registration \/ property taxes<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">State and local method<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Parking \/ permits \/ toll differences<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Include only true differences<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Other vehicle-specific costs<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Accessories, subscriptions, fluids<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Total operating cost<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Add all rows<\/td>\n<\/tr>\n<\/tbody><\/table><\/div><\/div><\/section><section id=\"depreciation\" style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0;background:#f4f8fb\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\"><p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase\">Usually the largest hidden cost<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px\">Estimate value loss with a range<\/h2><p style=\"margin:0 0 24px;font-size:1rem;color:#5d6b7a;max-width:900px\">Future resale value is uncertain. Treat depreciation as a scenario, not a precise promise, and use mileage and condition assumptions that match your actual plan.<\/p><div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr));gap:18px;width:100%;min-width:0\">\n<article style=\"min-width:0;background:#fff;border:1px solid #dbe5f0;border-radius:12px;padding:22px\"><span style=\"display:inline-block;background:#e0f5fb;color:#056d8a;border-radius:999px;padding:4px 11px;font-size:.68rem;font-weight:900;text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px\">Low value<\/span><h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\">Conservative exit scenario<\/h3><p style=\"margin:0 0 14px;color:#212529\">Model weaker resale demand, higher mileage, ordinary cosmetic wear, or a less favorable market. This tests downside risk.<\/p><\/article>\n<article style=\"min-width:0;background:#fff;border:1px solid #dbe5f0;border-radius:12px;padding:22px\"><span style=\"display:inline-block;background:#e0f5fb;color:#056d8a;border-radius:999px;padding:4px 11px;font-size:.68rem;font-weight:900;text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px\">Expected value<\/span><h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\">Evidence-based midpoint<\/h3><p style=\"margin:0 0 14px;color:#212529\">Use current multi-source residual estimates or comparable older models, then document how the estimate was adjusted for mileage and condition.<\/p><\/article>\n<article style=\"min-width:0;background:#fff;border:1px solid #dbe5f0;border-radius:12px;padding:22px\"><span style=\"display:inline-block;background:#e0f5fb;color:#056d8a;border-radius:999px;padding:4px 11px;font-size:.68rem;font-weight:900;text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px\">High value<\/span><h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\">Optimistic exit scenario<\/h3><p style=\"margin:0 0 14px;color:#212529\">Model stronger demand and excellent condition, but do not select this value merely to make a preferred vehicle win.<\/p><\/article>\n<\/div><div style=\"width:100%;max-width:100%;border-radius:12px;border:1px solid #dbe5f0;background:#fff\">\n<table style=\"width:100%;min-width:800px;border-collapse:collapse;border-spacing:0\">\n<thead><tr>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">End-of-year-five value<\/th>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Vehicle A<\/th>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Vehicle B<\/th>\n<\/tr><\/thead><tbody>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Conservative resale \/ trade value<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Expected resale \/ trade value<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Optimistic resale \/ trade value<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Estimated remaining loan payoff<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Expected net equity<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ value \u2212 payoff = __________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ value \u2212 payoff = __________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Expected depreciation<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ acquisition basis \u2212 value = __________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ acquisition basis \u2212 value = __________<\/td>\n<\/tr>\n<\/tbody><\/table><\/div><\/div><\/section><section id=\"total\" style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\"><p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase\">One decision page<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px\">Complete the five-year ownership comparison<\/h2><p style=\"margin:0 0 24px;font-size:1rem;color:#5d6b7a;max-width:900px\">Use consistent accounting. One simple method adds net acquisition and operating costs, then subtracts the end value you expect to realize. If a loan remains, ensure the payoff is not omitted or double-counted.<\/p><div style=\"width:100%;max-width:100%;border-radius:12px;border:1px solid #dbe5f0;background:#fff\">\n<table style=\"width:100%;min-width:800px;border-collapse:collapse;border-spacing:0\">\n<thead><tr>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Five-year summary<\/th>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Vehicle A<\/th>\n<th scope=\"col\" style=\"padding:12px 13px;background:#1a2d3d;color:#fff;border:1px solid #3b5264;text-align:left;font-family:&apos;Montserrat&apos;,sans-serif;font-size:.78rem;line-height:1.35;vertical-align:top\">Vehicle B<\/th>\n<\/tr><\/thead><tbody>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">OTD price<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ __________________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Financing cost during ownership<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">+ $ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">+ $ ______________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Total operating costs<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">+ $ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">+ $ ______________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Other ownership costs<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">+ $ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">+ $ ______________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Expected resale \/ trade value<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">\u2212 $ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">\u2212 $ ______________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Remaining payoff if not already counted<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">+ $ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">+ $ ______________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Estimated five-year ownership cost<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">= $ ______________<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">= $ ______________<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">Estimated cost per mile<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ total \u00f7 miles = ______<\/td>\n<td style=\"padding:12px 13px;border:1px solid #dbe5f0;text-align:left;font-size:.8rem;line-height:1.5;vertical-align:top;background:#fff\">$ total \u00f7 miles = ______<\/td>\n<\/tr>\n<\/tbody><\/table><\/div><div style=\"background:#fff;border:2px solid #b3e2f0;border-radius:14px;padding:22px\">\n<h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\">Decision record<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,360px),1fr));gap:18px;width:100%;min-width:0\">\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Lower expected cost<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Vehicle A \/ Vehicle B \/ Too close<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Difference over five years<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">$ and percentage<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Most uncertain assumption<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Resale, energy, insurance, repair, mileage<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Result under conservative scenario<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Does the winner change?<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Nonfinancial advantage of Vehicle A<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Safety, utility, comfort, time, capability<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Nonfinancial advantage of Vehicle B<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Safety, utility, comfort, time, capability<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Final choice<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">Vehicle and configuration<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<div style=\"min-width:0\"><strong style=\"display:block;color:#1a2d3d;font-size:.82rem;line-height:1.4\">Reason in one sentence<\/strong><span style=\"display:block;color:#5d6b7a;font-size:.72rem;line-height:1.4;margin-top:2px\">The tradeoff you are accepting<\/span><span aria-hidden=\"true\" style=\"display:block;width:100%;height:30px;border-bottom:1px solid #9fb0c0;margin:3px 0 10px\"><\/span><\/div>\n<\/div><\/div><div style=\"background:#e0f5fb;border:1px solid #b3e2f0;border-left:5px solid #0696bf;border-radius:12px;padding:22px 24px;margin-top:20px\"><h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\">Use cost to clarify, not erase, preferences<\/h3><p style=\"margin:0 0 14px;color:#212529\">If the estimated difference is small relative to the uncertainty, comfort, safety, reliability, cargo needs, charging access, towing, or family fit may reasonably decide the purchase.<\/p><\/div><\/div><\/section>\n\n  <section style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0;background:#f4f8fb\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\">\n    <p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase\">Build the complete deal<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px\">Related Invoice-Pricing.com resources<\/h2>\n    <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr));gap:18px;width:100%;min-width:0\"><article style=\"min-width:0;background:#fff;border:1px solid #dbe5f0;border-radius:12px;padding:22px\"><h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\"><a href=\"https:\/\/invoice-pricing.com\/cars\/buying-tip\/invoice-price-vs-market-price\/?engine=organic\" style=\"text-decoration:none;color:#056d8a;font-weight:700\">Invoice Price vs. Market Price<\/a><\/h3><p style=\"margin:0 0 14px;color:#212529\">Set a realistic acquisition-price target for each finalist.<\/p><\/article><article style=\"min-width:0;background:#fff;border:1px solid #dbe5f0;border-radius:12px;padding:22px\"><h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\"><a href=\"https:\/\/invoice-pricing.com\/cars\/buying-tip\/compare-new-car-quotes\/?engine=organic\" style=\"text-decoration:none;color:#056d8a;font-weight:700\">Compare New Car Quotes<\/a><\/h3><p style=\"margin:0 0 14px;color:#212529\">Normalize taxes, fees, incentives, equipment, and conditions before entering them.<\/p><\/article><article style=\"min-width:0;background:#fff;border:1px solid #dbe5f0;border-radius:12px;padding:22px\"><h3 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:1.05rem;font-weight:800;line-height:1.3;margin:0 0 9px\"><a href=\"https:\/\/invoice-pricing.com\/cars\/buying-tip\/car-dealer-fees-explained\/?engine=organic\" style=\"text-decoration:none;color:#056d8a;font-weight:700\">Car Dealer Fees Explained<\/a><\/h3><p style=\"margin:0 0 14px;color:#212529\">Separate vehicle costs, government charges, dealer fees, and optional products.<\/p><\/article><\/div>\n  <\/div><\/section>\n\n  <section style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\">\n    <div style=\"background:#0d1f2e;color:#fff;border-radius:16px;padding:clamp(26px,5vw,42px);display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));gap:24px;align-items:center\">\n      <div style=\"min-width:0\"><p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase;color:#9ee8f8\">Price before pressure<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px;color:#fff\">Start the five-year comparison with a better purchase price<\/h2><p style=\"font-size:1rem;line-height:1.65;margin:0 0 14px;margin:0\">Invoice pricing helps establish the acquisition-cost baseline before ownership expenses compound the difference.<\/p><\/div>\n      <div style=\"min-width:0;text-align:center\"><a href=\"https:\/\/invoice-pricing.com\/?engine=organic\" style=\"text-decoration:none;display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 26px;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;font-size:.9rem;line-height:1.2;text-align:center;border:2px solid transparent;border-radius:30px;color:#fff;background:#0696bf\">Find My Invoice Price<\/a><\/div>\n    <\/div>\n  <\/div><\/section>\n\n  <section id=\"faqs\" style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0;background:#f4f8fb\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\">\n    <p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase\">Common questions<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px\">Car total cost of ownership FAQs<\/h2><details style=\"background:#fff;border:1px solid #dbe5f0;border-radius:10px;padding:0 18px;margin:0 0 10px\"><summary style=\"cursor:pointer;padding:17px 0;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;color:#1a2d3d;line-height:1.35\">What costs should be included in car ownership?<\/summary><p style=\"margin:0 0 14px;color:#212529;padding:0 0 17px;margin:0\">Include acquisition, financing, depreciation, insurance, fuel or electricity, maintenance, repairs, taxes, registration, parking, tolls, charging equipment, subscriptions, and vehicle-specific costs relevant to your use.<\/p><\/details><details style=\"background:#fff;border:1px solid #dbe5f0;border-radius:10px;padding:0 18px;margin:0 0 10px\"><summary style=\"cursor:pointer;padding:17px 0;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;color:#1a2d3d;line-height:1.35\">Is depreciation part of total cost of ownership?<\/summary><p style=\"margin:0 0 14px;color:#212529;padding:0 0 17px;margin:0\">Yes. Value loss is often a major ownership cost. Estimate it using acquisition basis minus realistic end value, while avoiding double-counting loan payoff.<\/p><\/details><details style=\"background:#fff;border:1px solid #dbe5f0;border-radius:10px;padding:0 18px;margin:0 0 10px\"><summary style=\"cursor:pointer;padding:17px 0;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;color:#1a2d3d;line-height:1.35\">How do I compare a gas car with an electric vehicle?<\/summary><p style=\"margin:0 0 14px;color:#212529;padding:0 0 17px;margin:0\">Use the same mileage and period, then compare gasoline, home and public charging, charging equipment, maintenance, insurance, incentives, registration, financing, and expected resale value.<\/p><\/details><details style=\"background:#fff;border:1px solid #dbe5f0;border-radius:10px;padding:0 18px;margin:0 0 10px\"><summary style=\"cursor:pointer;padding:17px 0;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;color:#1a2d3d;line-height:1.35\">Should I use MSRP or out-the-door price in the worksheet?<\/summary><p style=\"margin:0 0 14px;color:#212529;padding:0 0 17px;margin:0\">Use an itemized out-the-door price for acquisition comparison because MSRP excludes negotiated differences, incentives, add-ons, dealer fees, taxes, and registration.<\/p><\/details><details style=\"background:#fff;border:1px solid #dbe5f0;border-radius:10px;padding:0 18px;margin:0 0 10px\"><summary style=\"cursor:pointer;padding:17px 0;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;color:#1a2d3d;line-height:1.35\">How can I estimate future resale value?<\/summary><p style=\"margin:0 0 14px;color:#212529;padding:0 0 17px;margin:0\">Use multiple current sources, comparable older models, mileage and condition adjustments, and low, expected, and high scenarios. Treat every result as an estimate.<\/p><\/details><details style=\"background:#fff;border:1px solid #dbe5f0;border-radius:10px;padding:0 18px;margin:0 0 10px\"><summary style=\"cursor:pointer;padding:17px 0;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;color:#1a2d3d;line-height:1.35\">Does a lower monthly payment mean a lower ownership cost?<\/summary><p style=\"margin:0 0 14px;color:#212529;padding:0 0 17px;margin:0\">No. Payment can be reduced by a longer term or larger down payment, while depreciation, interest, fees, energy, insurance, and other costs remain.<\/p><\/details><details style=\"background:#fff;border:1px solid #dbe5f0;border-radius:10px;padding:0 18px;margin:0 0 10px\"><summary style=\"cursor:pointer;padding:17px 0;font-family:&apos;Montserrat&apos;,sans-serif;font-weight:800;color:#1a2d3d;line-height:1.35\">What if one vehicle costs more but fits me better?<\/summary><p style=\"margin:0 0 14px;color:#212529;padding:0 0 17px;margin:0\">Record the estimated cost difference and the practical benefit. If the difference is affordable and the benefit is material, total cost can inform the decision without dictating it.<\/p><\/details>\n  <\/div><\/section>\n\n  <section style=\"display:block;width:100%;max-width:100%;overflow:hidden;padding:clamp(38px,6vw,58px) 0\"><div style=\"max-width:1180px;width:100%;margin:0 auto;padding:0 clamp(16px,3vw,22px);min-width:0\">\n    <p style=\"margin:0 0 8px;color:#056d8a;font-weight:900;font-size:.72rem;letter-spacing:.07em;text-transform:uppercase\">Sources and methodology<\/p><h2 style=\"font-family:&apos;Montserrat&apos;,sans-serif;color:#1a2d3d;font-size:clamp(24px,3.5vw,38px);font-weight:900;line-height:1.1;letter-spacing:-.03em;margin:0 0 16px\">Guidance used to build this resource<\/h2>\n    <p style=\"margin:0 0 24px;font-size:1rem;color:#5d6b7a;max-width:900px\">Invoice-Pricing.com reviewed the following consumer and industry guidance. Rules, lender practices, taxes, registration requirements, warranty treatment, and contract rights can vary by state and transaction. This educational resource is not legal, tax, or financial advice.<\/p>\n    <ul style=\"margin:0;padding-left:22px\"><li style=\"margin:0 0 10px;color:#5d6b7a\"><a href=\"https:\/\/afdc.energy.gov\/calc\/?ldid=10045\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"text-decoration:none;color:#056d8a;font-weight:700\">U.S. Department of Energy: vehicle cost calculator<\/a>. Ownership-cost and vehicle-energy comparisons.<\/li><li style=\"margin:0 0 10px;color:#5d6b7a\"><a href=\"https:\/\/www.edmunds.com\/tco.html\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"text-decoration:none;color:#056d8a;font-weight:700\">Edmunds: True Cost to Own<\/a>. Depreciation, financing, taxes, insurance, energy, maintenance, and repairs.<\/li><li style=\"margin:0 0 10px;color:#5d6b7a\"><a href=\"https:\/\/fueleconomy.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"text-decoration:none;color:#056d8a;font-weight:700\">U.S. Department of Energy and EPA: FuelEconomy.gov<\/a>. Vehicle fuel-economy and energy-cost information.<\/li><li style=\"margin:0 0 10px;color:#5d6b7a\"><a href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/auto-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"text-decoration:none;color:#056d8a;font-weight:700\">Consumer Financial Protection Bureau: auto loans<\/a>. Financing cost and affordability planning.<\/li><\/ul>\n  <\/div><\/section>\n<\/main>\n\n","protected":false},"excerpt":{"rendered":"<p>Car Buyer Action Kit Total Cost of Ownership Worksheet: Compare Two New Cars Beyond MSRP The lower sticker price is not always the lower-cost vehicle. Compare two finalists across five years of depreciation, financing, insurance, energy, maintenance, repairs, taxes, registration, and resale value. Start With Invoice-Pricing.com Compare Two Vehicles Updated August 17, 2026 \u00b7 Invoice-Pricing.com [&hellip;]<\/p>\n","protected":false},"featured_media":4540,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[28],"tags":[120,121],"class_list":["post-4532","buying-tip","type-buying-tip","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-tips","tag-car-leasing","tag-cost-of-ownership"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Compare two new cars beyond MSRP. 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class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/invoice-pricing.com\/cars\" title=\"Cars\">Cars<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u203a<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/invoice-pricing.com\/cars\/category\/buying-tips\/\" title=\"Buying Tips\">Buying Tips<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u203a<\/span><span class=\"aioseo-breadcrumb\">\n\tTotal Cost of Ownership Worksheet: Compare Two New Cars Beyond MSRP\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Cars","link":"https:\/\/invoice-pricing.com\/cars"},{"label":"Buying Tips","link":"https:\/\/invoice-pricing.com\/cars\/category\/buying-tips\/"},{"label":"Total Cost of Ownership Worksheet: Compare Two New Cars Beyond 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