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car-tco

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Compare the total cost of car ownership across buy-new, buy-used, lease, and keep-your-current-car — depreciation, insurance, maintenance ramp, and fuel over a real horizon, not just the monthly payment. Use when asked should I lease or buy a car, is it cheaper to keep my old car, what does this car really cost per month, or new vs used total cost. Produces the ranked scenario totals, per-month true cost, the assumption ledger, and the not-modeled list.

skills/car-tco/SKILL.md

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Nov 9, 2026
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MIT

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# Car TCO Skill

Cars are sold on monthly payments and owned on total cost — and the two rank options differently. Depreciation (the biggest cost of a new car) never appears on a statement; maintenance (the biggest fear about an old car) is usually smaller than a year of new-car depreciation. This skill compares buy-new, buy-used, lease-forever, and keep-current on the same total-cost basis over the same horizon.

## What This Skill Produces

- **Ranked scenario totals** — every requested scenario over the same horizon, cheapest first
- **True per-month cost** — total ÷ months, the number to compare against the payment the dealer quotes
- **The assumption ledger** — depreciation curve, maintenance ramp, insurance deltas, all labeled
- **The not-modeled list** — financing interest, jurisdiction taxes, reliability luck

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