Working out what a car costs to drive

The pump price gets all the attention, but it's the wrong number to judge a car on. Two cars filling up at the same forecourt can cost wildly different amounts to run, because what actually matters is how far each one goes on that fuel. A thirsty petrol doing 30 to the gallon burns twice as much as an economical one doing 60, mile for mile, however cheap the petrol looks on the pole. The figure worth knowing is the cost per mile, and that's the first thing the calculator above works out.

For petrol and diesel the sum is simple once you've got the car's real MPG: every mile uses a gallon divided by the MPG, a gallon is 4.54609 litres, and you multiply the litres by the pump price. The catch is the word "real". The MPG on the window sticker is measured in a lab, and almost nobody sees it on the road: town driving, short cold-engine trips and a heavy right foot all drag it down. Use the figure off your trip computer if you have it, and if you're buying, knock the brochure number down a fair bit for an honest estimate.

Electric cars change the shape of the sum. Efficiency is measured in miles per kWh instead of miles per gallon, and the "fuel price" is your electricity unit rate. Charge at home overnight and the cost per mile is usually a fraction of petrol, which is where the "EVs are cheap to run" line comes from. But lean on public rapid chargers and the per-kWh price can be two or three times a home rate, enough to wipe the saving out. The honest way to compare is to put in the price you'll actually pay to charge, not the best-case home figure.

Whatever the car, fuel is only one slice of the running cost. Tax, insurance, servicing, tyres and depreciation all pile on top, and some of those swing hugely between models. It's worth checking the road tax and, if you drive into a city, whether the car faces a ULEZ or Clean Air Zone charge before you commit. And because every one of these sums leans on the car being what the advert says, it's worth confirming that first: the free MOT check sanity-tests the mileage and last test, and the full report confirms the registered fuel type, engine and spec, so the economy you're banking on is the economy you'll get.