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Terms of use

Last updated: 2026-10-15

OwnCost is a free calculator run by Fire2Freedom in Finland. Contact: support@fire2freedom.com.

Estimates, not advice

The results are estimates from public data and stated assumptions. They are not financial, tax, insurance, legal or purchasing advice, and not an offer or a quote. Real costs will differ. The least certain input is the car's resale value, because no open Finnish sold-price data exists; a wider range means less certainty. Check prices, taxes, insurance and lease terms with the seller, insurer, lender or authority before you decide. Figures you enter, including lease terms, are used as typed and are not checked against any provider.

No payments or preferences

At the time of writing we receive no payment from car makers, dealers, lenders, insurers or lessors, and none of them influences the results. If that changes, it will be shown next to the affected result.

Sources

Vehicle register and vehicle-tax tables: Traficom and Finlex. Statistics: Statistics Finland (CC BY 4.0) and the European Central Bank. Laboratory consumption: European Environment Agency (EEA) / DG CLIMA, Monitoring of CO2 emissions from passenger cars, Regulation (EU) 2019/631, CC BY 4.0. Insurance quotes: Taloustaito's insurer-calculator comparison of 24 September 2026. The calculator shows the source and confidence of each input next to the result. These sources do not endorse us.

No warranty

The service is provided as it is, without a promise that it is complete, current or error-free. To the extent the law allows, we are not liable for decisions made on the results. Nothing here limits liability that cannot be limited by law, including your rights as a consumer. Finnish law applies, without removing consumer protections that apply where you live.