NMN TCO Calculator Test

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NMN TCO Calculator

Find out what your next car will actually cost — not just what it costs to buy.

Compare two or three new, demo or used cars over the same ownership period. NMN adds depreciation, fuel or electricity, maintenance, insurance, taxes and extra repair/wear costs to estimate total cost, monthly cost and cost per kilometre.

Powertrains: ICE = petrol/diesel · HEV = self-charging hybrid · PHEV = plug-in hybrid · BEV = fully electric
🚘 2 or 3 cars ✨ New · Demo · Used 🇧🇪 Belgium · 🇳🇱 Netherlands · 🇱🇺 Luxembourg Build v5.11
Start with the basics. NMN fills in sensible default assumptions; you can fine-tune every important cost later.
How does TCO work? ↓
⚙️ Your setup
Optional: use your own fuel and charging prices instead of NMN’s country defaults.
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
Resale, charging mix, maintenance, insurance and tax details.
NMN uses default assumptions for fields you don’t fine-tune. Consumption and essential vehicle details stay visible.
🛠️ Annual fixed costs
♻️
Car 2
Full hybrid
HEV
Resale, charging mix, maintenance, insurance and tax details.
NMN uses default assumptions for fields you don’t fine-tune. Consumption and essential vehicle details stay visible.
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
NMN default assumptions are used wherever you have not fine-tuned a value. Expand any Fine-tune section above if you know your own charging, resale, maintenance, insurance or tax figures.
ⓘ 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.
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.
ICE, HEV, PHEV or BEV: what’s the difference?
⛽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.

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.
© 2026 B2BNews Agency. All rights reserved. The NMN TCO Calculator, its presentation and calculation methodology may not be reproduced or redistributed without permission.

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Dutch and French editions are AI-assisted translations of our original English journalism. The English edition remains the original editorial text.