Vehicle Purchase Cost & Ownership Workbook

The purchase price is the smallest number in the real decision

Insurance, fuel, maintenance, and repairs add up to far more than the purchase price over the time you actually own a vehicle — but most buyers compare cars on sticker price alone, because the ongoing costs are scattered and hard to estimate on the spot.

This workbook calculates the real cost: purchase costs plus ongoing insurance, fuel, maintenance, and repairs, with an automatically calculated total cost of ownership you can actually compare between vehicles.

• Purchase Cost Breakdown — price, taxes, fees, and any financing costs
• Ongoing Cost Tracker — insurance, fuel, maintenance, and repairs, logged over time
• Automatic Total Cost of Ownership — every cost combined into one running total, calculated for you
• Vehicle Comparison — compare total cost of ownership across more than one vehicle before you decide

Step by step

1. Enter the full purchase cost breakdown, including taxes, fees, and financing.
2. Log ongoing costs — insurance, fuel, maintenance, repairs — as they occur.
3. Let the automatic total cost of ownership calculation track the real running number.
4. If comparing vehicles, enter each one's costs to see which is actually cheaper over time, not just at purchase.

• Excel workbook
• Automatic total cost of ownership calculation
• Purchase and ongoing cost tracking
• Works in Excel, Google Sheets, and Numbers

• Vehicle History & Maintenance Record — track the maintenance history behind the repair costs logged in this workbook.
• Used Car Purchase Inspection Pack — factor likely near-term repair costs from your inspection findings into this workbook.