Tesla Cost of Ownership Calculator: What You'll Really Pay Monthly
The sticker price is only part of it. This calculator adds up depreciation, insurance, charging, maintenance, fees and subscriptions into one monthly number for your Tesla.
What goes into the total
- Depreciation — usually the biggest cost. See it year by year in the Depreciation Calculator.
- Insurance — estimated for your state; refine it in the Insurance Cost Estimator.
- Charging — home vs Supercharger mix; price individual stops in the Supercharger Cost Calculator.
- Maintenance — tires, filters and brakes; itemized in the Maintenance Cost Calculator.
- Registration and fees — vary by state; EVs pay extra road fees in many states.
- Subscriptions — FSD ($99/month) and Premium Connectivity ($9.99/month) if you want them.
Not included
Loan interest, sales tax and repairs after the warranty. If you finance, add the interest from your loan quote to get the full picture.
Frequently asked questions
How much does it cost to own a Tesla per month?
For a new Model 3 or Model Y kept five years, roughly $700 to $1,000 a month once depreciation is counted, before loan interest — more in high-insurance states like California. Depreciation and insurance are the two biggest pieces.
Is a Tesla cheaper to own than a gas car?
Often yes on fuel and maintenance, especially if you charge at home. Insurance and depreciation can cancel out some of those savings, so it depends on your state, mileage and purchase price.
Related guides
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Depreciation Calculator
See what a Tesla is worth after 1 to 10 years. Enter the model, price and age for a projected resale value, yearly loss and how it compares with rivals.
Supercharger Cost Calculator
Estimate what Supercharging costs per session, per mile and per month for your Tesla — with peak and off-peak California rates, home charging and gas compared.
Home Charging Cost Calculator
Enter your electricity rate to see what charging your Tesla at home costs per charge, per mile and per month, and the gas price that would cost you the same.
California Registration Fee Calculator
Itemized estimate of your California Tesla registration: VLF, Transportation Improvement Fee, the $121 EV Road Improvement Fee, CHP and DMV fees.
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Answer seven questions to see whether your Tesla meets California's lemon law presumption (18 months / 18,000 miles) and what to do next.
Tesla Insurance Cost Estimator
Estimate monthly insurance for a Model 3, Model Y, Model S or Model X in your state and compare Tesla Insurance, Lemonade, State Farm and GEICO.
Lemonade vs Tesla Insurance Calculator
Compare Lemonade and Tesla Insurance side by side for your Tesla, state and driving record, with the FSD safe-driving discount and yearly savings included.
Is Lemonade Right for Me? Quiz
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FSD Transfer Checker
Find out in seconds whether Full Self-Driving transfers with a used Tesla. Answer three questions about the car and how FSD was paid for to get a clear verdict.
FSD Buy vs Subscribe Calculator
Compare the total cost of the $99/month FSD subscription with the old one-time purchase price over the years you plan to own the car.
Hardware Version Checker
Find out whether a Tesla has HW3 or HW4 from its model and build year, how to confirm it on the car, and what it means for FSD and insurance discounts.