Repair vs Replace Car Calculator
Compare the true cost of keeping an aging vehicle with the net cost of replacing it.
Verify this calculatorMaintained
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
Net cost compares repair, depreciation, operating, financing, taxes, and ending vehicle value. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Maintained
- Source review
- September 12, 2026
Optional readingLearn how this calculator works
How the repair vs replace car calculator works
Compare keeping and repairing a vehicle with replacing it over one horizon.
Net cost compares repair, depreciation, operating, financing, taxes, and ending vehicle value.
Read our calculation methodology and limitations.
Example
Start with the complete example scenario, then replace each value with figures from the contract, quote, vehicle, or ownership plan you are evaluating.
What affects the result
- Reliability and downtime have nonfinancial value.
- Use out-the-door replacement cost.
- Future repairs and resale values are uncertain.
Frequently asked questions
Where should the numbers come from?
Use current contracts, lender or lessor payoff quotes, insurance proposals, official fee schedules, and supported vehicle values whenever available.
Is this a dealer or insurer quote?
No. It is an independent planning estimate based only on the values you enter.