Keep It or Replace It Calculator
Every car reaches a point where the math gets interesting. Enter what your current car costs to run and what a replacement would cost — see both paths side by side over the years ahead.
Keep it Keep
$/ yr
Your best honest estimate — older cars usually cost more here.$/ yr
Replace it Replace
$
$
What you'd get for your current car today — it offsets the replacement price. Estimate its value.$/ yr
$/ yr
Newer cars often cost a bit more to insure.Over 10 years
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Enter your numbers above to see both paths.
Keep it breakdown
Repairs & maintenance$0
Insurance$0
Total to keep$0
Replace it breakdown
Out-of-pocket (price − trade-in)$0
Repairs & maintenance$0
Insurance$0
Total to replace$0
When the gap between the two paths is small, the decision often comes down to reliability and peace of mind — not money.
Read the full keep-it-10-years guide.
Educational estimates only — not financial advice. Repair estimates are the biggest variable here: one major repair can move these numbers thousands of dollars. Financing costs, taxes, and fees are not included. Actual costs vary widely.