Estimate the real monthly cost of keeping a car and compare it with salary, rent savings and public transport.
Estimate monthly ownership cost before deciding whether a cheaper apartment outside the city is really cheaper.
Planning estimate only. Add repairs, tax, tyres and city-specific parking where relevant.
Real car cost also includes insurance, maintenance, parking, tyres, annual fees and depreciation.
A cheaper apartment outside the centre may lose its advantage when daily commuting is expensive.
Use car cost next to monthly tickets, commute time and housing cost before choosing a location.
| Cost item | Why it matters |
|---|---|
| Fuel or electricity | Changes with distance, consumption and prices |
| Insurance | Often fixed monthly pressure even when the car is unused |
| Parking and tolls | Can be decisive in large cities |
| Maintenance reserve | Repairs and tyres usually arrive in irregular spikes |
| Public transport alternative | Useful benchmark before choosing a flat far from work |
Check the car budget, then compare it with rent affordability, utilities and the monthly budget calculator.
Use the calculator as a planning estimate and verify current figures, definitions and rules with official statistics before making a financial decision.