What will my car be worth later?

Depreciation is the largest cost of owning a car and the only one that never sends a bill. Track what your vehicle is worth each year — and see exactly when the loan balance finally drops below it.

The vehicle

VALUE

Purchase price

First-year drop

New cars: 15-25%.

Each year after

Typically 12-18%.

Years to project

yrs

Your loan

FINANCING

Down payment

Loan rate

Loan term

🧮

Enter a purchase price to project the vehicle's value.

Save or send these numbersEmail

All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.

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Where the loan and the value cross, and how long you are underwaterA written guide to the rules behind this calculator →

For educational purposes only. Depreciation varies enormously by make, model, condition, mileage, and market conditions — trucks and some hybrids hold value far better than average, while luxury sedans and EVs have historically fallen faster. Check current listings for the real number on your vehicle.