Saved vehicles
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Vehicle ownership
Ownership optimiser
Find the hold period and balloon that keep running-cost neutrality in reach without mistaking repaid principal for profit.
Monthly repayment
$0
Expected sale value
$0
Loan payout at sale
$0
Cash equity returned
$0
Running costs
$0
Running-cost position
$0
Near neutral / covered
True ownership cost
$0
True cost / month
$0
Cash-flow view
Sale equity vs running costs
Cash returned after sale
$0
Running costs covered by sale equity
100%
Surplus
$0
- Sale price
- $0
- Selling costs
- -$0
- Net sale proceeds
- $0
- Loan payout
- -$0
- Equity returned
- $0
- Running costs
- $0
This is running-cost neutrality, not profit and not true zero-cost ownership. Sale equity is partly repaid principal.
Economic view
True cost of ownership
- Depreciation
- $0
- Finance interest
- $0
- Finance fees
- $0
- Running costs
- $0
- Selling costs
- $0
- True ownership cost
- $0
- Effective cost / year
- $0
- Effective cost / month
- $0
Amortisation to sale
Interest, principal and cash
- Monthly payments made
- 36 × $0
- Total repayments
- $0
- Principal repaid
- $0
- Interest paid
- $0
- Remaining loan / balloon
- $0
- Total cash paid during ownership
- $0
Break-even
Minimum sale price required
Projected sale value
$0
Break-even target
$0
Buffer
$0
Required sale price = loan payout + running costs + selling costs. That is the price where sale equity equals accumulated running costs.
01
Vehicle
02
Deposit
Amount financed $0
03
Finance
04
Sale timing & value
06
Selling costs
Total selling costs $0
05
Running costs
$0 / year
Sweet spot
Finance structure optimiser
Recommended structure
0% balloon · 12-month hold
Payment $0
Expected equity $0
Running costs covered 100%
True cost / month $0
Position $0
Sweet spot score 25 / 100
Current scenario score
25 / 100
True cost 0
Equity cover 100
Affordability 0
Depreciation risk 0
Resale risk
Same finance, three sale prices
Conservative
$0
Near neutral / covered
Sale $0 · equity $0 · covered 100%
Expected
$0
Near neutral / covered
Sale $0 · equity $0 · covered 100%
Optimistic
$0
Near neutral / covered
Sale $0 · equity $0 · covered 100%
A useful sweet spot should remain acceptable in the conservative case, not only on the expected resale.
Equity curve
Value, loan, equity and running costs
Ownership cost mix
What actually costs money
Depreciation$0
Interest$0
Running costs$0
Fees + selling$0
Balloon comparison
How residual changes the hold
| Balloon | Monthly | Car value | Loan balance | Sale equity | Running costs | After running costs | True cost |
|---|---|---|---|---|---|---|---|
| 0%Sweet spot | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 10% | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 20% | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 25% | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 30% | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 35% | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 40% | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 45% | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 50% | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Coverage 100% at the highlighted residual.
Sale timing
The hold period often matters more than the balloon
| Sell after | Monthly | Car value | Loan balance | Sale equity | Running costs | After running costs | True cost |
|---|---|---|---|---|---|---|---|
| 12 monthsSweet spot | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 18 months | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 24 months | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 30 months | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 36 months | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 48 months | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 60 months | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Inverse calculator
Maximum purchase price
Given the resale you expect, the hold period, and a running-cost neutrality target, this works backwards to the most you should pay today.
Recommended maximum purchase price
$0
Uses the current balloon, deposit percentage, term, fees and running-cost assumptions. Target surplus of $0 is near-neutral: sale equity covers accumulated running costs.