Used Car True Cost Calculator

Don't just look at the sticker price. See the real total cost of owning that secondhand car — loan, insurance, fuel, LTO, maintenance — all in one number.

🇵🇭 Philippine rates🔢 2026 LTO fees💰 Bank vs in-house financing

🚗 Car Details

Fill in what you know. We'll estimate the rest using Philippine averages.

💵 Purchase Price

Car Asking Price Total sticker price

Down Payment Minimum 20% recommended

Car Age Year of manufacture

Engine Displacement For LTO fee calculation

🏦 Financing

Financing Type

Loan Term

Interest Rate Type

⛽ Usage & Running Costs

Monthly Driving Distance

Fuel Type

Primary Use

🛡 Insurance

Insurance Type

🚗

Fill in the form and click Calculate to see your car's true total cost.

Disclaimer: All figures are estimates based on Philippine market averages as of 2026. Actual costs vary by brand, model, location, driving habits, and insurance provider. LTO fees are based on current published schedules. Fuel prices use an average of ₱62/liter (gasoline) and ₱58/liter (diesel) as of May 2026. Maintenance estimates are based on typical Japanese-brand used cars. KumperaLoan is not a car dealer, insurer, or financial advisor. Always verify with your lender, insurer, and LTO branch.