Annual Car Cost Calculator 2026

Running a passenger car in Poland (2026) costs roughly PLN 10,000–15,000 at about 15,000 km a year. This includes: fuel (about PLN 6,000–8,000), insurance OC/AC (PLN 1,500–3,000) and service plus wear parts (PLN 2,000–3,500).

The main components are: fuel (depending on mileage and consumption), compulsory OC insurance and optional AC, service and inspections, tyre changes and wear parts. The total cost of ownership (TCO) also includes vehicle depreciation, parking fees, car washes and any accident repairs.

The annual fuel cost is: annual mileage × consumption / 100 × fuel price. For example, for 15,000 km, 7 l/100km and PLN 6.50/l the cost is 15,000 × 7 / 100 × 6.50 = PLN 6,825 per year.

OC alone is roughly PLN 600–1,500 per year, depending on driver age, claims history and place of residence. An OC + AC package for a newer car is usually PLN 2,000–4,000. Young drivers and owners of expensive cars pay more.

The annual service cost depends on the make, age and mileage. For a compact-class car it is about PLN 1,500–3,500: oil and filter changes (about PLN 600–1,000), tyres (spread over PLN 800–1,500/year), periodic inspections and minor repairs. Older cars generate higher repair costs.

The cost per kilometre is the total annual running cost divided by the annual mileage. At a cost of PLN 11,325 and 15,000 km it is about PLN 0.76/km. This metric is useful for settling business trips and comparing the value of cars.

Electric cars usually have lower "fuel" costs (energy 2–3 times cheaper than petrol) and cheaper service (fewer parts, no oil changes). However, AC insurance and a possible battery replacement are more expensive. The balance depends on mileage — at high annual mileage an EV can be more favourable.

No. The calculator counts current running costs: fuel, insurance and service. It does not include vehicle depreciation, which for new cars can be 10–20% per year and is often the largest hidden cost of ownership.

The most effective ways are: comparing insurance offers at every renewal, economical driving that lowers consumption, regular service that prevents costly breakdowns, using independent garages, and choosing a car with lower consumption and cheaper parts.

The results are indicative and based on the values you provide. Actual costs depend on driving style, fuel prices, your individual insurance premium and unexpected repairs. For the best estimate, enter real amounts from your own bills.