{"uid":"cap_KG1Tvr2fGKfCL6Rlu6jtW","slug":"saylor-innovations-true-cost-of-auto-ownership-3755a8b1","name":"Saylor Innovations True Cost of Auto Ownership","description":"Depreciation, fuel, insurance, maintenance and interest per month and per mile, with side-by-side comparison","url":"https://saylorinnovations.com/api/auto/ownership-cost?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method","queryParams"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","POST","PUT","PATCH","DELETE","HEAD"],"type":"string"},"queryParams":{"type":"object","required":["price"],"properties":{"mpg":{"type":"string","description":"optional fuel economy for gas, hybrid and diesel, default 28 (query)"},"class":{"type":"string","description":"optional depreciation class: economy, sedan, suv, truck, luxury, ev, sports (query)"},"price":{"type":"string","description":"required purchase price (query)"},"years":{"type":"string","description":"optional holding years, default 6 (query)"},"loan_apr":{"type":"string","description":"optional, default 7 (query)"},"age_years":{"type":"string","description":"optional age of the car when bought, default 0 (query)"},"kwh_price":{"type":"string","description":"optional electricity price, default 0.16 (query)"},"fuel_price":{"type":"string","description":"optional price per gallon, default 3.50 (query)"},"powertrain":{"type":"string","description":"optional gas (default), hybrid, diesel or ev (query)"},"compare_mpg":{"type":"string","description":"optional second car mpg (query)"},"loan_amount":{"type":"string","description":"optional financed amount (query)"},"compare_price":{"type":"string","description":"optional second car price (query)"},"kwh_per_100mi":{"type":"string","description":"optional EV consumption, default 30 (query)"},"miles_per_year":{"type":"string","description":"optional, default 12000 (query)"},"loan_term_months":{"type":"string","description":"optional, default 60 (query)"},"sales_tax_percent":{"type":"string","description":"optional, default 7 (query)"},"compare_powertrain":{"type":"string","description":"optional second car powertrain (query)"},"insurance_per_year":{"type":"string","description":"optional, default 1800 (query)"},"registration_per_year":{"type":"string","description":"optional, default 250 (query)"},"parking_tolls_per_year":{"type":"string","description":"optional, default 0 (query)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"unprobed","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_gZpWlAT-tTG2kbkIcjDK_","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates total vehicle ownership cost broken down by depreciation, fuel, insurance, maintenance, and loan interest — per month and per mile — with optional side-by-side comparison of two vehicles","exampleAgentPrompt":"What's the true monthly cost of owning a $42,000 SUV financed at 7% APR over 60 months, driven 15,000 miles a year, with a gas powertrain getting 26 MPG and gas at $3.80 per gallon — and compare it to a $45,000 EV?","exampleUseCases":[{"title":"Gas vs EV ownership cost comparison","prompt":"I'm deciding between a $38,000 Honda Accord getting 32 MPG and a $42,000 Tesla Model 3. Can you show me the true monthly and per-mile cost of each over 5 years, assuming I drive 12,000 miles a year, electricity costs 14 cents per kWh, and gas is $3.60 per gallon?"},{"title":"Truck ownership cost breakdown for budget planning","prompt":"I just bought a $52,000 pickup truck financed with $45,000 at 8.5% APR over 72 months. It gets about 20 MPG and I drive 18,000 miles a year. What's my full ownership cost per month including depreciation, fuel, insurance, and maintenance?"},{"title":"Used car total cost estimate before purchase","prompt":"I'm looking at a 4-year-old economy car priced at $18,000 — should I expect lower depreciation since it's already aged? Can you calculate the true ownership cost per month and per mile if I hold it for 4 years and drive 10,000 miles a year?"}],"resultDescription":"Returns a detailed breakdown of monthly and per-mile ownership costs split into depreciation, fuel, insurance, maintenance, and loan interest components. When a comparison vehicle is provided, returns a side-by-side comparison of both vehicles across all cost categories.","failureModes":["Missing required 'price' parameter returns an error","Invalid powertrain value (not gas/hybrid/diesel/ev) may cause unexpected defaults or errors","EV cost calculations may be inaccurate if kwh_per_100mi and kwh_price are not supplied","Extremely low or high price values may produce unrealistic depreciation estimates","Mismatched compare parameters (e.g. compare_powertrain=ev without compare_mpg) may use defaults silently"],"whenToPreferThis":"Use this endpoint when a user needs a comprehensive, multi-component vehicle ownership cost calculation that goes beyond just the loan payment — especially when they want depreciation, fuel, insurance, and maintenance all factored in together, or need to compare two vehicles side by side. Prefer this over simple loan calculators or fuel-cost estimators when the user's question involves 'true cost', 'total cost of ownership', or 'which car is cheaper to own'.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-31T18:42:27.219Z","isFirstParty":false,"canonicalSlug":"saylor-innovations-true-cost-of-auto-ownership-3755a8b1"}