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
Quick assumptions

Your driving and energy costs

Use your real annual distance if you know it.
Editable planning rate. Use the NEA estimator below for a slab-based estimate.
Current sourceNOC retail price schedule effective 2 Aug 2026.NOC source
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

Use your real consumption if possible.
If entered, this overrides the efficiency estimate.
Exchanging your current car? Add the expected exchange value and any loan still outstanding. This can materially change the cash you need today and the amount you finance.
Use the dealer's likely exchange offer, not an online asking price.
Amount still needed to fully settle the current vehicle loan.
A lender may not allow the full shortfall to be financed.
Other current-car ownership costs
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.
NRB monetary policyNOC retail pricesNEA tariff

Planning tool only. Vehicle and variant information uses the same NepalRoads data as Cars for Sale and Compare. Dealer offers, bank valuation, interest rates, taxes, insurance, charging prices, exchange values and real-world efficiency can change. Verify final figures before making a financial decision.