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CZYMPOJADE.
PRO
Edition 05/2026 · Live data from JD Power, Ofgem, EV Database

You lose
1 690 £
every year.

The average UK driver doesn't know what their car really costs. Depreciation, insurance, service, tyres, ULEZ - hidden in invoices nobody adds up. We add them up, for 976 models, in 30 seconds.

Calculate my TCO
8 questions · no signup · free PDF
Source
Average from 11,842 calculations made in Q1 2026 on czympojade.com. Median hidden cost discovered during the wizard vs. the figure declared at the start.
0101 · Live table - rotates every 5 seconds

Tesla Model 3 LR vs VW Golf 1.5 TSI

Position
BEV
Tesla Model 3 LR
ICE
VW Golf 1.5 TSI
Fuel / energy86 £/mo246 £/mo
Depreciation192 £/mo204 £/mo
Insurance54 £/mo48 £/mo
Service & tyres23 £/mo54 £/mo
5-year TCO
23 040 £
33 180 £
BEV/HEV saving10 140 £over 5 years · 169 £/mo
0303 · Methodology

We don't guess.
We calculate.

Every figure in the table comes from the TCO v4.0 engine: 2D depreciation surface, event-based maintenance, per-brand tier intervals, speed-dependent consumption, regional labour multipliers, Monte Carlo at the close.

Full methodology
976
Models in the database
5
Powertrains (BEV/HEV/PHEV/ICE/LPG)
500
Monte Carlo simulations per result
9
HiGHS MILP optimisers
40+
Brands with warranty data
644
Pytest regression tests
0505 · Reportage

What the dealer
left out.

8 cost components. The dealer shows 2. The rest land in your inbox - or only at resale.

Visibility to a buyer at the dealership
Fuel / energy
Visible
Lease payment
Visible
5-year depreciation
Hidden
Insurance
Partial
Service (full schedule)
Hidden
Tyres & brakes
Hidden
Battery / EGR replacement
Hidden
ULEZ / city charges
Hidden

The dealer showed me the monthly payment and fuel cost. Four years later it turned out the residual value had dropped by 38% - nobody had counted that.

── Martin K., 2-person business owner, Greater London
The choice is yours

Find out.
Or keep
paying.

Calculate my TCO
30 seconds. No account. Free PDF. Come back tomorrow - we save your data in your browser.