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What should you actually own?

Start with the trips you make. Compare access and ownership on the same monthly basis, then inspect the full cost and ways to share it.

Lowest modeled monthly outlay

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Illustrative cash-equivalent cost. Convenience, availability, insurance excess and trip capability still matter.

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Compare six ways to move

Click a card to see and edit its assumptions

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Match the vehicle to the job

City-only errandsAn Ami-style quadricycle can be compact and inexpensive, but its 45 km/h limit and two seats make it unsuitable for motorway travel or a full-car replacement.

Occasional weekendsRenting keeps fixed costs low. Check the number of days, included mileage, pickup friction and excess before deciding.

Regular mixed tripsA used small car buys flexibility. Compare the actual resale risk, insurance, parking and repair reserve, not only the purchase price.

Longer journeysA full electric car works best when charging is predictable; a petrol car may be easier when charging is uncertain. Model the real trip and charging price.

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Can the vehicle pay for itself?

Use the monthly offset in the selected vehicle’s detail to test a realistic net amount received, after platform fees and extra wear.

€0 / month

Select a vehicle and enter its monthly net offset above.

CarpoolingShare costs on trips you already make. Stay within genuine cost sharing to retain the tax exemption; verify insurance and platform terms.

Peer rentalRent your full car when idle, if insurer, finance or lease contract and platform cover permit it. Budget handover, cleaning, damage, downtime and tax.

Delivery / workProfessional use needs specific insurance treatment and may require business registration. An Ami’s access and vehicle-class limits matter.

Avoid overestimatingIncome is uncertain. The calculator subtracts only the net amount you enter; it does not assume that every available day books.

How these numbers work

Ownership per month = (purchase − estimated resale) ÷ months + capital cost on average tied-up value + insurance + parking + maintenance/tax reserve + distance × energy cost − net offset. Rental per month = days × day rate + distance × per-km rate. No vehicle uses a small illustrative pay-as-needed mobility allowance. Financing repayments are not added to the capital cost because doing so would double count principal; replace the capital assumption if modeling a specific loan. Resale, repairs, fuel and insurance are estimates, not live quotes. A negative net cost is floored at zero in the cards.

Sources for legal and category guidance, checked 23 September 2026: