Keep vs. Upgrade Financial Calculator

Find out if exchanging for a new EV or ICE vehicle actually saves you money compared to keeping your current car.

1. Your Current Vehicle (Leave blank if first-time buyer)

Car Exchange Valuation

2. Compare Replacements

New EV Target

New ICE Target

3. The Verdict (Net Monthly Outflow)

Total Outflow includes Loan EMI + Monthly Fuel Cost + Maintenance

Keep Current Car

NPR 0
EMI: 0 | Fuel: 0 | Maint: 0
Baseline

Upgrade to EV

NPR 0
EMI: 0 | Fuel: 0 | Maint: 0
Fill inputs to compare

Upgrade to New ICE

NPR 0
EMI: 0 | Fuel: 0 | Maint: 0
Fill inputs to compare

1. Exchange & Equity Restructuring

Fill in Car Value & Loan Payoff to inspect equity calculations.

2. Monthly Fuel / Charging Cost Formulas

Fill in commute range and mileage values to inspect fuel calculations.

3. EMI Calculation Formulas

Fill in vehicle price, interest rate, and tenure to inspect loan calculations.

4. Total Net Monthly Outflows

Complete vehicle parameters to inspect final summary equations.

Disclaimers & Notes:
1. Exchange Valuation: Final car exchange values are subject to physical inspection, technical evaluation, and market appraisal by authorized dealerships.
2. Outstanding Loan Payoff: Remaining loan payoffs must be officially verified with your financing bank or institution. Any negative equity (where loan payoff exceeds exchange value) will be added to your new loan principal.
3. Operational Indexing: ICE fuel baseline is calculated at NPR 197.5/L. EV charging baseline is calculated at NPR 11/kWh. Actual driving efficiency will vary based on driving style, traffic conditions, and geography.