Calculadora de Valor de Intercambio
Key Financial Terms
Understand the essential concepts behind this calculator
Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Valor de Intercambio
Para emplear la calculadora, introduce los datos de tu vehículo como marca, modelo, kilometraje y estado. La herramienta te entregará estimaciones tanto para el valor de recompra del concesionario como para el valor de venta privada.
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Sources & References
AAA Annual Cost of Vehicle Ownership (2024)
• Average annual cost: $12,297 ($1,025/month) for 15,000 miles/year
• Small sedan: ~$8,500/year
• Medium SUV: ~$12,000/year
• Pickup truck: ~$13,500/year
• Includes depreciation, fuel, insurance, maintenance, registration, financing
• Small sedan: ~$8,500/year
• Medium SUV: ~$12,000/year
• Pickup truck: ~$13,500/year
• Includes depreciation, fuel, insurance, maintenance, registration, financing
Vehicle Depreciation Benchmarks (2025)
• New vehicles typically lose 20-30% of value in the first year
• Average 5-year depreciation across all vehicles: ~45-50%
• Trucks and SUVs with high demand retain closer to 55-60%
• Average 5-year depreciation across all vehicles: ~45-50%
• Trucks and SUVs with high demand retain closer to 55-60%
Powertrain Depreciation (iSeeCars Market Data 2025)
• Hybrids average 40.7% depreciation after 5 years (best retention)
• Gasoline & mixed powertrains average 45.6% depreciation after 5 years
• Battery electric vehicles average 58.8% depreciation after 5 years (worst retention)
• Gasoline & mixed powertrains average 45.6% depreciation after 5 years
• Battery electric vehicles average 58.8% depreciation after 5 years (worst retention)
EV & Plug-In Depreciation Dynamics
• Historical trend: Plug-in vehicles depreciate faster than conventional vehicles
• Improvements in battery tech are narrowing the depreciation gap
• Used EV pricing is heavily influenced by federal tax credits and rapid tech cycles
• Improvements in battery tech are narrowing the depreciation gap
• Used EV pricing is heavily influenced by federal tax credits and rapid tech cycles
Electric Vehicle (EV) Federal Tax Credit (2024-2025)
• Up to $7,500 tax credit for new EVs
• Up to $4,000 for used EVs (price cap $25,000)
• Income limits apply: $300k joint, $225k head of household, $150k single
• Vehicle must meet domestic assembly and battery component requirements
• Up to $4,000 for used EVs (price cap $25,000)
• Income limits apply: $300k joint, $225k head of household, $150k single
• Vehicle must meet domestic assembly and battery component requirements
Average Fuel Costs (2024-2025)
• Regular gasoline: $3.10-3.60/gallon (national average)
• Diesel: $3.50-4.20/gallon
• Electricity for EVs: $0.11-0.16/kWh (home charging), equivalent to $0.80-1.20/gallon
• At 12,000 miles/year: Gas car (25 mpg) = $1,680/yr | EV (3.5 mi/kWh) = $620/yr
• Diesel: $3.50-4.20/gallon
• Electricity for EVs: $0.11-0.16/kWh (home charging), equivalent to $0.80-1.20/gallon
• At 12,000 miles/year: Gas car (25 mpg) = $1,680/yr | EV (3.5 mi/kWh) = $620/yr
Average Auto Insurance Costs (2024)
• Full coverage: $2,008/year ($167/month) national average
• Minimum liability: $622/year ($52/month)
• Varies significantly by state, age, driving record, and vehicle
• Minimum liability: $622/year ($52/month)
• Varies significantly by state, age, driving record, and vehicle
Maintenance Costs
• Average annual maintenance/repairs: $1,186 per vehicle
• EVs: ~40% lower maintenance costs (no oil changes, fewer brake repairs)
• Luxury vehicles: 1.5-2x higher maintenance than economy cars
• EVs: ~40% lower maintenance costs (no oil changes, fewer brake repairs)
• Luxury vehicles: 1.5-2x higher maintenance than economy cars
Lease vs. Buy Statistics
• ~30% of new vehicles are leased (down from 35% pre-pandemic)
• Average lease: $578/month for 36 months
• Typical lease mileage allowance: 12,000-15,000 miles/year
• Excess mileage fees: $0.15-0.30 per mile over limit
• Average lease: $578/month for 36 months
• Typical lease mileage allowance: 12,000-15,000 miles/year
• Excess mileage fees: $0.15-0.30 per mile over limit
Note
Transportation costs vary widely by location, vehicle type, and usage. Urban dwellers may save significantly by using public transit or rideshare instead of owning.
⚠️ Note