Ownership cost simulator
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Car & how you drive
Change any field; the results on the right update instantly
EV · ₫745,000,000 (reference price) · on the road ₫767.5M
Interest rate
7.5% → 10.5%/year
Fixed for the first 12 months, then floating (assumed) · Edit rates in Advanced assumptions › Financing
Rest: V-Green free 31% · paid 0% (from the 10 sessions/month quota)
Affects the plate fee, parking and electricity price
Advanced assumptions42 assumptions · 0 set by you
Purchase5 parameters
- Default₫
The maker's suggested retail price — the purchase price and the base for physical-damage insurance and depreciation.
- Valid range: 50,000,000 – 50,000,000,000 ₫
- Default: 745,000,000 ₫
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default₫
Amount taken directly off the purchase price (cash discount, vouchers).
- Valid range: 0 – 50,000,000,000 ₫
- Default: 0 ₫
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%
Rate on the taxable price, by province and powertrain. Battery-electric cars are exempt (0%) until 31/12/2030.
Example: 0% × ₫745,000,000 = ₫0
- Valid range: 0 – 50 %
- Default: 0 %
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default₫
First-registration number plate fee, by province.
- Valid range: 0 – 100,000,000 ₫
- Default: 20,000,000 ₫
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default₫
Accessories bought with the car (window film, mats, dash cam…), added to the on-the-road cost.
- Valid range: 0 – 2,000,000,000 ₫
- Default: 0 ₫
- Source: Default · data 2026.10.7 · Oct 7, 2026
Financing7 parameters
- Default
Loan
Edit in the left column
Cash or loan.
- Default: Loan
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default
60 %
Edit in the left column
Share of the price borrowed; the rest is the down payment.
Example: 60% × ₫745,000,000 = ₫447M
- Valid range: 0 – 100 %
- Default: 60 %
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%/yr
Fixed rate of the first loan phase.
- Valid range: 0 – 30 %/yr
- Default: 7.5 %/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Defaultmonths
Months at the promotional rate before the floating rate applies.
- Valid range: 0 – 84 months
- Default: 12 months
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%/yr
Rate after the promotional period (base rate + margin) — the most uncertain loan input.
- Valid range: 0 – 30 %/yr
- Default: 10.5 %/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default
60 months
Edit in the left column
Total repayment period.
- Valid range: 36 – 84 months
- Default: 60 months
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default
Declining balance: equal principal, interest on the remaining balance. Annuity: fixed instalment, recalculated when the rate changes. Only interest counts towards TCO.
- Default: Declining balance
- Source: Default · data 2026.10.7 · Oct 7, 2026
Usage3 parameters
- Default
2,000 km/month
Edit in the left column
Average distance driven per month.
- Valid range: 100 – 10,000 km/month
- Default: 2,000 km/month
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default
2 years
Edit in the left column
How long you plan to keep the car.
- Valid range: 1 – 10 years
- Default: 2 years
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%/yr
How much your yearly distance grows (or shrinks) each year.
- Valid range: -50 – 100 %/yr
- Default: 0 %/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
Energy8 parameters
- Default₫/kWh
Marginal household tariff (your usual tier) per kWh charged at home.
- Valid range: 0 – 20,000 ₫/kWh
- Default: 3,090 ₫/kWh
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Optional
The public charging network you usually use. Only networks your car can use are listed (by brand and charge port). The default public charging price follows this network.
- Default₫/kWh
V-Green price ₫3,858/kWh · CarCost default · updated Oct 7, 2026
Price per kWh at public chargers of the chosen network. Default by brand: V-Green for VinFast cars, the national average of open networks for other brands. Applies to public charging that is not free.
- Valid range: 0 – 30,000 ₫/kWh
- Default: 3,858 ₫/kWh
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default
69 %
Edit in the left column
- Default
Applies the manufacturer’s free-charging perk with its quota and end date, only when the car and the network qualify (e.g. V-Green perks are for VinFast cars charging at V-Green). Off → the free part becomes paid.
- Default: On
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%
Energy lost while charging. Grid kWh = kWh used ÷ (1 − loss).
- Valid range: 0 – 50 %
- Default: 10 %
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%/yr
Yearly growth of fuel and electricity prices: p = p₀ × (1 + g)^year.
- Valid range: -50 – 100 %/yr
- Default: 3 %/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
- DefaultkWh/100 km
kWh per 100 km, maker's figure.
- Valid range: 8 – 40 kWh/100 km
- Default: 12.8 kWh/100 km
- Source: Default · data 2026.10.7 · Oct 7, 2026
- DefaultkWh
Average kWh per public charging session; converts the free-session quota.
- Valid range: 1 – 200 kWh
- Default: 38 kWh
- Source: Default · data 2026.10.7 · Oct 7, 2026
Maintenance & tyres5 parameters
- Defaultkm
Service by distance or by time, whichever comes first.
- Valid range: 1,000 – 100,000 km
- Default: 12,000 km
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Defaultmonths
Service by distance or by time, whichever comes first.
- Valid range: 1 – 60 months
- Default: 12 months
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default
Cost of each service in the repeating pattern (minor / major).
- Valid range: 0 – 200,000,000 ₫
- Default: 1,200,000 · 1,200,000 · 2,400,000 · 1,200,000
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Defaultkm
A full set is replaced after this distance.
- Valid range: 5,000 – 200,000 km
- Default: 50,000 km
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default₫
Price of a set of 4 tyres, fitted.
- Valid range: 0 – 500,000,000 ₫
- Default: 11,000,000 ₫
- Source: Default · data 2026.10.7 · Oct 7, 2026
Insurance2 parameters
- Default₫/yr
Compulsory third-party liability insurance per year.
- Valid range: 0 – 50,000,000 ₫/yr
- Default: 480,700 ₫/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%/yr
Premium rate on the car's value at the start of each year.
Example: 1.5% × ₫745,000,000 = ₫11.2M
- Valid range: 0 – 5 %/yr
- Default: 1.5 %/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
Fixed fees5 parameters
- Default₫/period
Road-use fee per payment period.
- Valid range: 0 – 100,000,000 ₫/period
- Default: 1,560,000 ₫/period
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default₫/period
Periodic roadworthiness inspection fee.
- Valid range: 0 – 50,000,000 ₫/period
- Default: 430,000 ₫/period
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default₫/month
Monthly parking (apartment, office).
- Valid range: 0 – 20,000,000 ₫/month
- Default: 1,500,000 ₫/month
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default₫/month
Average per month.
- Valid range: 0 – 20,000,000 ₫/month
- Default: 300,000 ₫/month
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default₫/month
Average per month.
- Valid range: 0 – 10,000,000 ₫/month
- Default: 200,000 ₫/month
- Source: Default · data 2026.10.7 · Oct 7, 2026
Depreciation1 parameters
- Default
Share of the purchase price left after each year, by segment and powertrain. Depreciation over N years = price × (1 − residual in year N).
Year 1: 18% × ₫745,000,000 = ₫134.1M
- Valid range: 1 – 100 %
- Default: 82% · 70% · 61% · 53% · 47% · 42% · 37% · 33% · 30% · 27%
- Source: Default · data 2026.10.7 · Oct 7, 2026
Battery3 parameters
- Default₫/month
Monthly battery rental when the car is bought without the battery.
- Valid range: 0 – 50,000,000 ₫/month
- Default: 0 ₫/month
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%/yr
Yearly loss of battery health (SOH); drives the post-warranty battery reserve.
- Valid range: 0 – 30 %/yr
- Default: 2 %/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default₫
Out-of-warranty replacement price, used for the reserve.
- Valid range: 0 – 5,000,000,000 ₫
- Default: 280,000,000 ₫
- Source: Default · data 2026.10.7 · Oct 7, 2026
Inflation & discounting3 parameters
- Default%/yr
Growth of maintenance, tyre, repair and indexed fee prices.
- Valid range: -50 – 100 %/yr
- Default: 3 %/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%/yr
Used by "Present value": PV = cost ÷ (1 + d)^(month/12).
- Valid range: -50 – 100 %/yr
- Default: 4 %/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
- Default%/yr
Return you could earn instead of buying the car. Reference only — not added to the default TCO.
- Valid range: -50 – 100 %/yr
- Default: 5 %/yr
- Source: Default · data 2026.10.7 · Oct 7, 2026
Only resets values "Set by you"; keeps the car, km/month and years.
2-year TCO · VinFast VF 6 Plus
Base scenario₫404M
- True cost/km (incl. depreciation)
- ₫8,419/km
- Cash/km (excl. depreciation)
- ≈ ₫2,436/km
- Average per month
- ₫16.8M
- Optimistic₫360MEnergy −15%, lower depreciation
- Base₫404MCurrent assumptions
- Pessimistic₫448MEnergy +15%, rate +1.5 pts
carcost.huminfoods.com/mo-phong?xe=vinfast-vf-6-plus-2026&km=2000&nam=2&tt=vay&tinh=VN-SG
2-year cost breakdown
Total ₫404M
- Depreciation₫223.5M · 55%
- Fees & parking₫72.9M · 18%
- Loan interest₫63.7M · 16%
- Insurance₫21.3M · 5%
- Energy (charging)₫16.5M · 4%
- Maintenance & tyres₫6.2M · 2%
Cumulative cost by year
Unit: ₫ million
- Base
- Optimistic – pessimistic
| Year | Base | Optimistic – pessimistic |
|---|---|---|
| Buy | ₫0 | ₫0 – ₫0 |
| Year 1 | ₫233.1M | ₫194.6M – ₫271.6M |
| Year 2 | ₫404.1M | ₫360.2M – ₫448M |
Worth knowing
- Running costs stay steady — no year-to-year change above 30%.
Year by year
Unit: ₫ million
| Year | Depreciation | Energy (charging) | Insurance | Maintenance & tyres | Fees & parking | Loan interest | Year total | Cumulative |
|---|---|---|---|---|---|---|---|---|
| Year 1 | 134.1 | 8.1 | 11.7 | 2.4 | 46.3 | 30.5 | 233.1 | 233.1 |
| Year 2 | 89.4 | 8.4 | 9.6 | 3.8 | 26.6 | 33.2 | 171.0 | 404.1 |
| 2 years | 223.5 | 16.5 | 21.3 | 6.2 | 72.9 | 63.7 | 404.1 | — |
Year 1 includes the plate and registration fees. Reference figures, not financial advice.