🚗 UAE Car Cost Calculator
Estimate the real cost of buying and running a car—not only the advertised price or instalment.
Car Purchase & Finance
Monthly & Annual Running Costs
How the estimate works
- Finance payment uses a standard reducing-balance estimate from the rate and period entered.
- Annual insurance, registration and other yearly costs are divided by 12.
- First-year cash outflow includes the full cash purchase price or financed down payment, one-time fees, 12 months of running costs and only instalments due in the first 12 months.
- One-time fees are included only when entered. The model excludes resale value, depreciation, early settlement, insurance exclusions and unexpected repairs. Do not add upfront fees again under yearly costs.
How to compare a cash car with a financed car
For a cash purchase, enter car price and leave down payment, finance months and rate at zero. The result shows the full purchase price upfront plus monthly running costs. For financing, enter the real down payment, whole number of months and the lender's reducing-balance annual rate. An advertised flat or profit rate is not interchangeable with a reducing rate; use the lender's written payment schedule when available.
Illustrative cash example: AED 10,000 car, AED 500 one-time inspection and transfer charges, AED 600 monthly fuel and other running costs. First-year cash outflow is AED 17,700 (AED 10,500 upfront plus 12 × AED 600). It is not the car's future resale value or economic depreciation. Check the used-car inspection guide before deciding.