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Calcimator

RV Annual Ownership Cost Calculator

Calculate the true annual cost of RV ownership including loan payments, insurance, storage, maintenance, and depreciation.

Inputs

$
years
%
$
$
$

Results

Total Annual Cost

$8,563

Cost Per Night (30 nights/yr)

$285.43

Monthly Loan Payment$388.57
Annual Loan Payments$4,663
Annual Depreciation$3,500
5-Year Total Cost$60,314
How to Use This Calculator
  1. Enter the purchase price ($), loan term (years), and interest rate (APR %).
  2. Set annual insurance ($), monthly storage cost ($), and annual maintenance budget ($).
  3. Enter annual fuel cost estimate (use the RV Fuel Cost calculator for accuracy).
  4. Review total annual ownership cost, cost per night at your target nights camped, and 5-year cost.
  5. Compare cost per night to equivalent hotel or vacation rental rates to assess ownership value.

How the result changes with Purchase Price

Purchase PriceTotal Annual CostCost Per Night (30 nights/yr)
54,500$11,161$372.02
178,250$27,647$921.58
326,750$47,431$1,581.04
450,500$63,918$2,130.59

What each input means

Purchase Price
Total purchase price or financed amount of the RV.
Loan Term
Length of your RV loan in years. Typical terms: 5-15 years.
Interest Rate (APR)
Annual percentage rate on your RV loan.
Annual Insurance
Annual RV insurance premium. Full-timer policies cost more than recreational.
Monthly Storage Cost
Monthly fee for RV storage when not in use. $0 if you park at home.
Annual Maintenance
Annual budget for repairs, tires, winterization, inspections, and upkeep.

What each result means

Monthly Loan Payment
Monthly payment based on loan amount, term, and rate.
Annual Loan Payments
Total loan payments made per year.
Annual Depreciation
Estimated annual value lost. RVs depreciate ~10% of purchase price per year on average.
Total Annual Cost
Payments + insurance + storage + maintenance (depreciation shown separately).
Cost Per Night (30 nights/yr)
Your effective nightly cost based on 30 nights of camping per year.
5-Year Total Cost
Total out-of-pocket plus depreciation over five years of ownership.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Purchase Price = 35000, Loan Term = 10, Interest Rate (APR) = 6, Annual Insurance = 1200 = 6 input(s) provided
  2. Calculate Total Annual Cost
    Total Annual Cost
    8563 = 8563
  3. Calculate Cost Per Night
    Cost Per Night
    285.43 = 285.43
  4. Calculate Monthly Loan Payment
    Monthly Loan Payment
    388.57 = 388.57
  5. Calculate Annual Loan Payments
    Annual Loan Payments
    4663 = 4663

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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