New vs Used
Compare total cost of ownership for buying new vs used — cars, phones, laptops, appliances, and more.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyCost Breakdown
New vs Used Total Cost
Click chart to expand
Side-by-Side Comparison
Bars show relative size · ✓ marks the better option- Purchase Price
- €25,000
- Maintenance/yr
- €500
- 5-Year Total Cost
- €14,907
- Resale Value
- €11,093
- Financing Interest (used)
- €0
- Purchase Price
- €16,000
- Maintenance/yr
- €900
- 5-Year Total Cost
- €13,915
- Resale Value
- €10,545
- Financing Interest (used)
- €3,960
| Factor | Buy New | Buy Used |
|---|---|---|
| Purchase Price | €25,000 | €16,000 |
| Maintenance/yr | €500 | €900 |
| 5-Year Total Cost | €14,907 | €13,915 |
| Resale Value | €11,093 | €10,545 |
| Financing Interest (used) | €0 | €3,960 |
Buying used saves €992.672 over 5 years despite potentially higher maintenance.
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Best-case outcome with favorable assumptions.
Most likely outcome based on your inputs.
Conservative outcome with cautious assumptions.
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
What Moves the Needle Most
How much each factor changes your New (5yr cost) across its full range. Ownership Period has the biggest impact.
Focus your attention on Ownership Period — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The outcome is fairly stable across best and worst cases — this is a robust decision.
New (5yr cost): €14,907 (worst) → €14,907 (expected) → €14,907 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
Compare the total cost of ownership for buying new versus used items over your ownership period.
How the calculation works
Factors in purchase price, depreciation, maintenance, warranty savings, and resale value for both options.
Formula
Total Cost = Price + (Maintenance × Years) − Resale Value − Warranty Savings
Example
A new car at €25,000 vs used at €16,000: used saves €5,000+ over 5 years despite higher maintenance.
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for New vs Used. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
Factors in purchase price, depreciation, maintenance, warranty savings, and resale value for both options.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: A new car at €25,000 vs used at €16,000: used saves €5,000+ over 5 years despite higher maintenance.
Factors to Consider
- New loses value fastest in year 1
- Used may need more maintenance
- Warranty on new reduces repair risk
Common Mistakes
- Buying used without inspection
- Ignoring financing rate differences
Frequently Asked Questions
Works for what items?+
Cars, phones, laptops, appliances, furniture — anything with depreciation and maintenance costs.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
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