OWNERSHIP, NOT JUST PRICESee what the car really costs.
NepalRoads ownership tool
Keep vs Upgrade Calculator
Compare the cash you need today, your monthly ownership cost and your estimated five-year cash outflow before changing cars.
1. Situation
2. Vehicles
3. Financing
4. Results
Start here
What are you trying to decide?
Choose the situation that sounds like you. The calculator will hide the parts you do not need.
Energy prices
We use current planning rates by default. Open this only if you want to change the assumptions.
Planning rate in NPR/kWh. Use the detailed NEA helper if needed.
Advanced energy assumptions
Planning assumption, not an NEA tariff. Set 0 if your efficiency already measures wall-to-car use.
Optional NEA household estimator. It estimates the incremental electricity bill from adding EV charging to your existing household use using the published single-phase tariff slabs. It does not include every possible bill adjustment.
NEA consumer tariffDomestic single-phase slabs used in this helper.
Step 1
Your current car and exchange
Your current car
What powers it?
Tap one. This instantly changes the efficiency and energy-cost questions that follow.
What does it cost you to run?
Use either real efficiency or your actual monthly fuel/charging spend. You do not need both.
Use your real consumption if possible.
If you know this, it overrides the efficiency estimate.
Is the current car still financed?
If it is already paid off, we skip the loan questions completely.
Will you exchange this car?
If not, skip the valuation and outstanding-loan calculations entirely.
Use the likely dealer offer, not an online asking price.
The calculator turns this into positive or negative equity.
Fine-tune current-car costs
Step 2
Vehicles you're considering
Step 2
Vehicles you're considering
Step 4
Your result
Sources, scope and what the result includes
- Vehicle data: current NepalRoads private-use catalogue data. A catalogue price of zero is treated as unconfirmed and is not invented.
- Fuel: Nepal Oil Corporation's current retail schedule is used for the three listed price zones; you can override the rate.
- Financing: the calculator starts private-vehicle down payment at 40%, reflecting the 60% LTV baseline carried forward from NRB policy. Actual bank approval, valuation and terms can be stricter. The FY 2083/84 policy mentions separate facilitation for large EVs used as public transport; this private-car tool does not apply that concession.
- Electricity: the quick rate is editable. The optional NEA helper uses published domestic single-phase tariff slabs and estimates incremental energy cost only.
- Five-year cash outflow: cash paid from today: purchase/down payment, loan payments for the actual loan term, fuel/electricity and any optional maintenance, road tax, insurance and one-off costs you enter. It is not labelled as full economic TCO.
- Not automatically assumed: maintenance, road tax, insurance, public charging retail price and future resale value. Leaving them blank excludes them and the results say so.
Cumulative cash outflow over 5 years
Month 0 is cash required today. Loan payments stop when each loan term ends; running costs continue.