Vehicle ownership research

What does it actually cost to own?

The sticker price isn't what a car costs you. CPM adds up the money that leaves and never comes back (depreciation, fuel, insurance, repairs, tax, registration, interest) and divides it by the miles you drive. Then it shows what moving up from your current car really costs, per mile and per month.

Your scenario

How long you'll keep it, how far you drive, where you live and how you pay. These apply to every car. Numbers for one specific car live on its sticker.

Your current car the one you'd keep or trade

Use

Years owned Miles / year Baseline every car is measured against this

Location

ZIP code State Purchase tax % Title fee $

Money if you finance

APR % Loan term mo Cash down $ Trade credit $

Energy today's prices

Regular $/gal Premium $/gal Charging $/kWh Insurance

Advanced assumptions opportunity cost, selling costs, how much miles hit resale

Opportunity cost %/yr on equity Selling cost % of exit Resale per 10k mi ± % vs 10k/yr pace Registration start year Registration $/yr outside CO Insurance index × car's base

The spectrum

Every car runs through the same model with your assumptions. Tap a name for its ownership sticker. Grab ⠿ to drag cars into your own order.

Head-to-head

Up to five cars, same assumptions, side by side. Add or drop one with Compare on any row.

Find the outliers

Scaled to the main pack. Anything far outside it is pinned to the edge with its value, so one Lamborghini doesn't flatten everything else. The dark line is your baseline.

Across Up

Add a listing

Found one on Cars & Bids, BaT, Autotrader or a dealer site? Paste the link. We read the year, model, price and miles, fill in resale, upkeep and insurance from our research, and add it to the list for everyone, marked with *.

Listings are checked automatically. Anything that looks off still shows, marked "under review", until we've had a look. Please only add cars that are actually for sale.

Or enter a car by hand it stays in this browser only

Workspaces

Save a setup ("Overlander shortlist", "Daily under $1/mile") and come back to it later.

Move it between devices export / import

Import file

Or paste a workspace code

How CPM works

Short version: count the money that disappears, not the money you park in the car and get back when you sell.