Keep vs Replace Calculator

Runs locally in your browser. Educational estimator. U.S.-focused; rules and pricing vary by state and by country.

Compare a repair to replacing the vehicle by converting both into monthly costs. This is a simple way to avoid the “big number shock” problem.

Repair cost (total) Months the repair buys you Replacement monthly payment/lease Upfront taxes/fees/down (total) Spread upfront fees over (months)

Enter values above to see results.

Notes

These are simplified models intended for planning and comparison.
Safety comes first. If the vehicle is unsafe, fix or stop driving.
For mileage, the calculator shows miles with km in brackets (1 mile ≈ 1.609 km).