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.
More free Tesla tools
Battery Replacement Cost Estimator
Estimate what a Tesla battery pack costs to replace out of warranty, check whether your warranty should cover it, and see cheaper options.
Battery Warranty Checker
Enter your Tesla, delivery date and mileage to see how much Battery & Drive Unit and basic warranty is left — new or used.
Maintenance Cost Calculator
An itemized Tesla maintenance budget by model and mileage — tires, rotations, cabin filters, brake fluid and more.
Used Tesla Buying Checklist
An interactive, printable checklist for buying a used Tesla — history, FSD and hardware, battery, body, tires and the test drive.
Trade-In Value Calculator
A rough trade-in and private-sale range for your Tesla by model, year, mileage and condition — with what purchased FSD adds.
Lease vs Buy Calculator
Compare a Tesla lease quote with financing over the same term, including the equity you'd keep in the car if you buy.
Depreciation Calculator
See your Tesla's estimated value each year, and whether you'd owe more on the loan than it's worth.
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.
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.
California Lemon Law Checker
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
See how much Lemonade's 50% FSD-mile discount could save you compared with your current Tesla insurance premium.
Is Lemonade Right for Me? Quiz
A one-minute quiz that checks your state, hardware and driving habits to tell you whether Lemonade Car is worth a quote for your Tesla.
FSD Transfer Checker
Check whether Full Self-Driving stays with a used Tesla, based on when FSD was bought and Tesla's current transfer rules.
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.