IUC, IPO, insurance and maintenance
Annual car ownership cost calculator in Portugal
Adjust the car details to estimate your annual ownership cost in Portugal.
Parameters
Annual estimate
Estimated total annual cost€ 1907
€ 159 per month
IUCIPO this yearInsuranceMaintenance
Further analysis
Year 1
Annual: € 1905Total so far: € 1905
Year 2
Annual: € 1974Total so far: € 3879
Year 3
Annual: € 2051Total so far: € 5930
Year 4
Annual: € 2174Total so far: € 8104
Year 5
Annual: € 2231Total so far: € 10 335
IPO: every 2 years from ages 4 to 7, then annually from age 8. Maintenance follows mileage, age and grows 6%/yr. Experienced drivers get a 5%/yr no-claims discount, capped at 30%.
IUC Tabela B 2026 (official, unchanged from 2025): displacement + CO2 (WLTP) x year coefficient (1.15 for 2010+). EV: fully exempt. PHEV: calculated as petrol. Diesel: +€10.07 to €20.12 in the most common brackets. IPO: €37.47 with IVA (Deliberacao 1598-A/2025, in force from 01/01/2026); first at 4 years, every 2 years to age 8, then annually. Insurance and maintenance are market estimates.
About this car ownership cost calculator
Estimate the real cost of owning a car in Portugal. The CARSCANNER cost calculator helps you get insights into how much a specific car may cost you per year, as well as progressively over 3, 5, and 10 years, including IUC road tax, IPO inspection, insurance, maintenance, and fuel or charging costs.
Use it to compare petrol, diesel, hybrid, plug-in hybrid, and electric cars before making your final purchase decision. The CARSCANNER ownership cost calculator gives you an estimate that will help you understand all aspects of owning a car, not just the purchase price.
For whom? If you want to compare different cars or options more realistically, plan your budget, and understand whether a cheaper car could become more expensive to own over time, this is exactly the tool that will help you.
CARSCANNER is built for people who want to buy a new car in Portugal and helps them make a more informed and clear decision. CARSCANNER has tools that let you compare different car models, estimate costs, and choose the right car for your lifestyle.