NMN TCO Calculator Test

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NMN TCO Calculator

Compare any three cars. Choose ICE, HEV, PHEV or BEV independently, and mix new, demo and used cars. The calculator covers Belgium, the Netherlands and Luxembourg, with automatic 2026 vehicle-tax calculations where supported.

🚘 Any 3 cars ⛽ ICE · ♻️ HEV · 🔌 PHEV · 🔋 BEV 🇧🇪 Belgium tax auto 🇳🇱 Dutch MRB assisted 🇱🇺 Luxembourg tax auto Tax rules: 19 Aug 2026 ✓ Benelux number formats ↻ Full recalculation Build v5.8
What is TCO?

Total Cost of Ownership (TCO) is the estimated total cost of owning and using a car over the period you select. It looks beyond the purchase price and combines the main costs that change between cars and powertrains.

Depreciation+ Energy / fuel+ Maintenance+ Insurance+ Taxes+ Extra repairs*

*Extra repairs / wear are only added when you enter them for a used or demo car. Financing, parking, tyres, subsidies and exceptional one-off costs are excluded unless explicitly stated.

How NMN calculates it
Depreciation = purchase price today − expected resale value
TCO = depreciation + running costs + taxes + insurance + maintenance
Monthly TCO = total TCO ÷ number of months owned
Important: expected resale value is already included through depreciation. It is not deducted a second time.
Which powertrain should I choose?
ICE

Petrol or diesel. Mild hybrids (MHEV) can be entered here using their actual fuel consumption.

♻️HEV

Full hybrid without a plug. Its battery assists the engine and recharges while driving and braking.

🔌PHEV

Plug-in hybrid. Enter fuel and electric use. How often you charge has a major effect on TCO.

🔋BEV

Fully electric. Running cost depends strongly on electricity use and where you normally charge.

⚙️ Your setup
Energy-price defaults: latest available national averages/benchmarks are loaded when you switch country. Fuel: EU weekly averages (13 Aug 2026). Home electricity: latest Eurostat household benchmark (H2 2025). Public AC/fast charging: latest available market averages. All values remain editable.
Number formats: both Benelux and international notation are accepted, for example 14.950 or 14950 for €14,950 and 5,2 or 5.2 for consumption.
Car 1
Combustion engine
ICE
🛠️ Annual fixed costs
♻️
Car 2
Full hybrid
HEV
No charging cost is entered separately for an HEV.
🛠️ Annual fixed costs
Calculate TCO refreshes all current inputs. Download PDF recalculates once more before export.
📊 Comparison
ⓘ How is this calculated?
Car 1
Enter your assumptions and calculate.
Car 2
Enter your assumptions and calculate.
The lowest-TCO car will appear here.
Compare two cars, or add a third car when you want a broader Benelux comparison.
Indicative editorial calculator, not a tax assessment or vehicle valuation. For used/demo cars, the NMN suggested resale value is an editable heuristic based on today’s purchase price, vehicle age, current mileage, expected age/mileage at resale and powertrain. Belgian automation assumes a standard privately owned/non-leased passenger car and the rules/rates applicable on 19 August 2026. Flemish BIV for non-BEV cars first registered before 2021 remains manual in this beta. Brussels automation uses the 2026 non-leasing passenger-car tables. Wallonia uses the TMC formula in force for registrations from 1 July 2025 and the 2026-2027 annual road-tax tariff; special reductions, exemptions and LPG supplements are not included. Dutch MRB uses the current quarterly amount supplied by the user from the official Belastingdienst calculator; future base-rate indexation is unknown and therefore not modelled. Luxembourg uses the standard €50 SNCA registration charge and the CO₂-based annual road-tax formula for M1 passenger cars first registered from 2001; pre-2001 annual tax remains manual and special exemptions/refunds are excluded.

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