tcogentotal cost of ownership

Lab

Take a purchase apart

Real tcogen results: every item with a source and date, cash flow by year and how the result reacts to your mileage and tariffs.

One item: what the cost is made of

Pick an item: the total on top, then each line with its source, the cash flow and the sensitivity.

Engine exampletcogen.tco_estimate/1Data under review

Electric car in Kyiv

Electric car in Kyiv: 5 years at 15,000 km/yr. NPV UAH 979k (discount rate 12%, inflation 8%).

UAH 705ksum of payments
UAH 979kNPV
75,000 kmuse over the period
UAH 17.18/kmlevelised unit cost

NPV range: UAH 636k – UAH 1,648k; cost per unit: UAH 11.15/km – UAH 28.91/km.

Assumptions, warnings and sources

Warnings

  • MediumPrice defaults older than 6 months: price.public_dc_kwh (2026-01-23). Enter current prices.
  • LowSome defaults come from secondary pages or are tcogen estimates and are marked for verification (docs/SOURCES.md); replace them with your own figures where you can: car_depreciation_estimate, car_prices_estimate, car_service_estimate, ev_battery_warranty, ev_consumption_estimate, tcogen_finance_defaults, tripgen_osago_kb, ua_ev_charging_2026.

Assumptions

  • Amounts are nominal (today's prices grown by inflation); NPV discounts them to today.
  • Scheduled events due exactly at the horizon are not counted: the asset is sold or kept then, and its resale value is the negative line `resale`.
  • Consumables are bought when the previous item runs out; the last item bought is counted in full.
  • Range low/high: every ranged input at its cheaper or dearer end together — a deliberately wide band.
  • Discount rate 12.0%/year (nominal, UA default); pass discount_rate — e.g. your deposit or loan rate.
  • Prices grow 8.0%/year (UA default); fixed-by-law taxes and loan payments do not.

Sources

Breakdown by item

ItemGroupNominalNPVShareSource
Purchase pricePurchaseUAH 1,250,000UAH 1,250,00088%Oct 4, 2026 Data under review
Public fast chargingEnergy and fuelUAH 82,370UAH 61,4614%Oct 4, 2026 Data under review
Home chargingEnergy and fuelUAH 59,307UAH 44,2523%Oct 4, 2026 Data under review
Tyres (set)MaintenanceUAH 42,061UAH 28,2012%Oct 4, 2026 Data under review
Compulsory insurance (market range)InsuranceUAH 18,554UAH 14,7231%Oct 4, 2026 Data under review
Seasonal wheel changeMaintenanceUAH 8,771UAH 6,5820%Oct 4, 2026 Data under review
Scheduled serviceMaintenanceUAH 7,581UAH 5,3830%Oct 4, 2026 Data under review
Unplanned repairs (expected)RepairsUAH 4,918UAH 3,1090%Oct 4, 2026 Data under review
Registration and platesPurchaseUAH 3,000UAH 3,0000%Oct 4, 2026 Data under review
Resale valueResaleUAH -771,397UAH -437,712—Oct 4, 2026 Data under review
TotalUAH 705,165UAH 978,999

Cash flow by year

Year 1Year 2Year 3Year 4Year 5
Nominal; downward — resale at the end.
YearPayments
Year 1UAH 1,279,060
Year 2UAH 31,093
Year 3UAH 56,227
Year 4UAH 38,427
Year 5UAH -699,641

Sensitivity

ChangeNPVDifferenceCost per unit
Usage −20 %UAH 944,045−UAH 34,954UAH 20.71/km
Usage +20 %UAH 1,005,089+UAH 26,091UAH 14.70/km
Tariff −20 %UAH 957,856−UAH 21,143UAH 16.81/km
Tariff +20 %UAH 1,000,141+UAH 21,143UAH 17.55/km

Formulas

Time runs in months from purchase. Every payment is discounted; the default rate is 12%, inflation 8%. Levelised unit cost is NPV divided by discounted usage.

NPV = Σ payment / (1 + r)t/12

unit cost = NPV ÷ Σ usage / (1 + r)^(t/12)

Two options: where they break even

At 15,000 km/yr the electric car, dearer at the start, catches up in month 45; their NPV is equal at about 9,220 km/yr.

Engine exampletcogen.tco_compare/1Data under review

Electric or petrol car — Kyiv

Input: Kyiv, 5 years, 15,000 km/yr; typical dated prices

Over 5 years at 15,000 km/yr the lower NPV is Electric car. But the ranges overlap: with your prices the order can flip.

Bar — NPV range from cheap to expensive assumptions, dot — typical result; one scale for all alternatives.

1

Electric car

Whole-life cost (NPV)
UAH 979k
Per unit
UAH 17.18/km
Levelled per year
UAH 272k
NPV range
UAH 636k – UAH 1,648k

First in the engine's neutral order (NPV, then cost per unit).

Largest items (NPV)

  • Purchase priceUAH 1,250k
  • Public fast chargingUAH 61,461
  • Home chargingUAH 44,252
  • Tyres (set)UAH 28,201
2

Petrol car

Whole-life cost (NPV)
UAH 1,090k
Per unit
UAH 19.13/km
Levelled per year
UAH 302k
NPV range
UAH 797k – UAH 1,733k
  • UAH 111k more in NPV.
  • Crossover month: 45 — the one dearer at the start (Electric car) evens out on cumulative cost.
  • Equal NPV at 9,220 km/yr.

Largest items (NPV)

  • Purchase priceUAH 950k
  • PetrolUAH 428k
  • Pension levy at first registrationUAH 38,000
  • Scheduled serviceUAH 21,932
Assumptions, warnings and sources

Warnings

  • Medium[ev] Price defaults older than 6 months: price.public_dc_kwh (2026-01-23). Enter current prices.
  • Note[petrol] Pension-insurance levy 4% of the price at first registration in Ukraine (new or imported car; set options.first_registration=false for a car already registered in Ukraine).
  • Lowpetrol vs ev: the NPV ranges overlap — the order can flip with real prices.
  • LowSome defaults come from secondary pages or are tcogen estimates and are marked for verification (docs/SOURCES.md); replace them with your own figures where you can: car_depreciation_estimate, car_prices_estimate, car_service_estimate, ev_battery_warranty, ev_consumption_estimate, ice_consumption_estimate, tcogen_finance_defaults, tripgen_osago_kb, ua_ev_charging_2026.

Assumptions

  • Amounts are nominal (today's prices grown by inflation); NPV discounts them to today.
  • Scheduled events due exactly at the horizon are not counted: the asset is sold or kept then, and its resale value is the negative line `resale`.
  • Consumables are bought when the previous item runs out; the last item bought is counted in full.
  • Range low/high: every ranged input at its cheaper or dearer end together — a deliberately wide band.
  • [ev] Discount rate 12.0%/year (nominal, UA default); pass discount_rate — e.g. your deposit or loan rate.
  • [ev] Prices grow 8.0%/year (UA default); fixed-by-law taxes and loan payments do not.
  • [petrol] Discount rate 12.0%/year (nominal, UA default); pass discount_rate — e.g. your deposit or loan rate.
  • [petrol] Prices grow 8.0%/year (UA default); fixed-by-law taxes and loan payments do not.
  • Ranking: lowest NPV first, then lowest levelized cost per unit of use, then label and id. The order of input does not matter, and nothing about sellers or partners is known to it.
  • Break-even usage scales both alternatives' usage together; crossover month compares cumulative discounted spending without resale.

Sources

Sources and dates

Every source behind the examples. “Data under review” means a secondary page or an engine estimate; use your own figures where you can.

SourceAs ofStatus
ADAC monthly national average September 2026 (most expensive month so far): Super E10 2.266 EUR/l, Diesel 2.386 EUR/l; daily highs 2.314 (E10, 16.09) and 2.471 (Diesel, 17.09)Sep 30, 2026checked
BDEW-Strompreisanalyse: average household electricity price 2026 37.0 ct/kWh (3,500 kWh/a; procurement and sales 15.2, network 9.2, taxes and levies 12.6)Aug 21, 2026checked
Household electricity fixed price Ukraine 4.32 UAH/kWh incl. VAT (3.60 + 0.72 VAT), 01.06.2024-31.10.2026 (Cabinet resolution No. 483 of 05.06.2019, annex 'Fixed prices')Oct 3, 2026checked
Kraftfahrzeugsteuergesetz § 9 Abs. 1 Nr. 2 c (Pkw first registered from 01.01.2021): per 100 cm3 or part 2.00 EUR (Fremdzündung) / 9.50 EUR (Selbstzündung) plus per g CO2/km above 95 g, banded: 2.00 (to 115), 2.20 (to 135), 2.50 (to 155), 2.90 (to 175), 3.40 (to 195), 4.00 (above); electric cars by weight under Nr. 4 (per 200 kg or part: 11.25 EUR to 2,000 kg, 12.02 to 3,000, 12.78 to 3,500), reduced by 50% (§ 9 Abs. 2)Oct 4, 2026checked
KraftStG § 3d: pure electric vehicles first registered 18.05.2011 - 31.12.2030 are tax-free for ten years from first registration, at most until 31.12.2035 (Achtes Gesetz zur Änderung des KraftStG, in force 01.01.2026)Oct 4, 2026checked
Maker page yields of original consumables (typical home models): cartridge inkjet ~180-400 black / 165-330 colour (standard to XL), ink-tank bottle 4,500-7,500 pages (Epson 104 EcoTank: 4,500 black, 7,500 per colour bottle, 65 ml), mono laser toner 1,000-3,000 (Brother TN-2410 1,200 / TN-2420 3,000 per ISO/IEC 19752)Oct 4, 2026Data under review
Minfin fuel index (data: Consulting Group A-95): average pump prices in Ukraine on 2 Oct 2026, A-95 89.25 UAH/l, diesel 98.40 UAH/l (incl. excise and VAT)Oct 2, 2026checked
Pension-insurance levy at first registration of a passenger car in Ukraine (Law 400/97-VR art. 1 p. 7, art. 4 p. 8): 3% up to 165, 4% up to 290, 5% above 290 living minimums for able-bodied persons on 1 January (2026: 3,328 UAH, State Budget Law 4695-IX art. 7); cars with electric motors only are exemptJan 1, 2026checked
Public DC charging in Ukraine 20-32 UAH/kWh (Minfin 23.01.2026: 30-32 after the January rise; later 20-26)Jan 23, 2026Data under review
Tax Code of Ukraine art. 267 transport tax: 25,000 UAH/year (267.4) for cars whose release year was no more than 5 years ago inclusive and average market value above 375 minimum wages on 1 January (267.2.1); 2026: 375 x 8,647 (State Budget Law 2026 No. 4695-IX art. 8) = 3,242,625 UAH; Ministry of Economy list by 1 February; tax stops from the month after the car turns 5 (267.6.7)Jan 1, 2026checked
tcogen calculation method (README, docs/PACKS.md)Oct 4, 2026checked
tcogen estimate: compact BEV real-world use 15-20 kWh/100 km at the car + 10% charging losses (ADAC Ecotest measures at the wall)Oct 4, 2026Data under review
tcogen estimate: compact petrol car real-world 6.0-8.5 l/100 km (WLTP figures are lower)Oct 4, 2026Data under review
tcogen estimate: default nominal discount rate and inflation by country (UA: discount 12%, inflation 8% — NBU forecast 10% end-2026, 6.9% 2027, 5% end-2028, key rate 15.5%; DE: discount 3%, inflation 2.5% — ECB HICP projection 3.0% 2026, 2.5% 2027, 2.1% 2028)Oct 4, 2026Data under review
tcogen estimate: German Kfz-Haftpflicht + Teilkasko for a compact car 450-1,100 EUR/year (no-claims class, region and type class dominate)Oct 4, 2026Data under review
tcogen estimate: German public ad-hoc charging AC ~0.55, DC ~0.65 EUR/kWh (range 0.45-0.89)Oct 4, 2026Data under review
tcogen estimate: LFP portable power stations 3,000-4,000 cycles to 70-80% (maker specs), NMC 500-800; round-trip efficiency 0.85-0.92; small petrol generator 0.5-0.8 l per kWh at part loadOct 4, 2026Data under review
tcogen estimate: printer and original cartridge/toner/ink-bottle prices and ISO yields, typical home models 2026 (UA and DE retail)Oct 4, 2026Data under review
tcogen estimate: retained value of passenger cars by age (ICE ~80% after 1 year, ~50% after 5; BEV faster: ~70% after 1, ~40% after 5), typical of DAT/ADAC residual-value reportsOct 4, 2026Data under review
tcogen estimate: scheduled service, brakes, tyres, 12 V battery (UA dealers/independents and German workshops, 2026)Oct 4, 2026Data under review
tcogen estimate: typical new compact car prices 2026 (UA 0.6-1.5 M UAH ICE, 0.9-1.8 M UAH EV; DE 22-45 kEUR ICE, 30-50 kEUR EV)Oct 4, 2026Data under review
tcogen: not counted unless you enter it (default 0)Oct 4, 2026checked
tripgen kb/osago.json: OSTsPV average premium 2025 3,162.67 UAH (MTIBU); typical 2,100-6,000 UAH (price sites 2026, verify)Oct 4, 2026Data under review
Typical traction-battery warranty 8 years / 160,000 km to 70% capacity (most makers); failures outside warranty are rareOct 4, 2026Data under review

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