True cost of ownership

The instalment is only part of it. Here's what the car actually costs you each month, once fuel, insurance, licence, tyres and servicing are added and itemised.

Enter the price, deposit, trade-in, fuel consumption in litres per 100 km and how far you drive each month, and the calculator shows the instalment alongside the real monthly figure.

What the monthly figure includes

• Finance instalment
• Bank monthly admin fee
• Fuel, from your own consumption and distance
• Comprehensive insurance — required by the bank on a financed vehicle, not optional
• Licence (monthly equivalent)
• Tyres (monthly provision)
• Servicing (monthly provision)

Once-off costs at purchase

• Deposit
• NCA initiation fee (estimate)
• Licence and registration transfer — varies by province, ask your Traffic Registering Authority

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