Toyota Camry vs Honda Accord: Which Sedan Fits Your Commute?
Compare 2026 Camry and Accord powertrains, fuel costs, passenger needs, safety equipment, and recall checks before choosing a midsize sedan.
Read articleRecallWire driver tools
Vehicle expense calculator
See where your car budget goes.
Bring the recurring bills together. Estimate monthly cash spending, compare fuel with other expenses, and see the cost of each mile you expect to drive.
01 / Your inputs
Make it your own.
Start with the example below. Change any value to update your estimate.
Calculated in your browser. Your entries are not submitted or saved.
02 / Your estimate
ExampleEstimated cash budget per year
$8,980.00
12,000 miles per year · cash spending only
Complete the highlighted fields to see your estimate.
- Fuel / year
- $1,400.00
- Payments / year
- $4,200.00
- Insurance / year
- $1,800.00
- Parking + tolls / year
- $480.00
- Maintenance + fees / year
- $1,100.00
- Cash cost per mile
- $0.75
Your entered maintenance and registration budgets average $91.67 per month. Setting that amount aside can help plan for irregular bills.
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03 / See the bigger picture
Your vehicle budget across the year
Cumulative cash spending at an even monthly average. Irregular bills will not actually arrive evenly.
Slide to explore. Use arrow keys for finer control.
- All entered costs
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- Fuel only
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Behind the numbers
How the vehicle expenses calculation works
Annual cash budget = annual fuel + 12 × (monthly payment + insurance + parking and tolls) + annual maintenance and registration. Monthly average = annual budget ÷ 12. Cash cost per mile = annual budget ÷ annual miles.
A worked example
At 12,000 miles, 30 MPG and $3.50/gallon, annual fuel is $1,400. Add $350/month payments, $150/month insurance, $40/month parking, $900/year maintenance and $200/year registration: $8,980/year, or $748.33/month.
A little more clarity
Vehicle expenses questions
Why is depreciation not included?
This planner focuses on money leaving your budget. Depreciation is an ownership cost but not a monthly bill. Adding it to full vehicle payments could mix different accounting approaches.
What if I do not have a car payment?
Enter zero or choose the paid-off vehicle shortcut. You can also enter zero for other categories that do not apply.
Can I budget an EV here?
This version estimates fuel using gasoline MPG. Use the gas-versus-EV tool for electricity costs; this page is a gasoline-vehicle cash budget.
From the RecallWire desk
Related reading
More context for the decisions ahead.
CAFE Credit Trading Ends, Changing 2028 Car Plans
NHTSA’s new fuel-economy rule does more than slow the path to 2031: ending inter-manufacturer credit trading in 2028 shifts compliance pressure back onto each automaker’s own lineup.
Read article
New CAFE Rule Slows the 2031 Fuel-Economy Climb
NHTSA’s final standards for model years 2027 through 2031 ease the prior federal trajectory. The change matters most in automakers’ product planning, while buyers should still assess each vehicle’s actual fuel costs and
Read articleBefore your next drive
Keep safety on the checklist.
Explore recall campaigns or find the official lookup for your specific vehicle.