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Size: 1764
Comment: running cost estimates
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Size: 4185
Comment: A $100 cost-of-living-relief discount is in effect until 2027-08-31
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| Deletions are marked like this. | Additions are marked like this. |
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| Estimated at end of 2022, annual cost unless specified. | <<TableOfContents>> |
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| * Rego: $556 * Registration: $70 * Motor vehicle tax: $486 (1505-2504kg vehicle) * CTP: $420 * Comprehensive insurance: $1160 |
= Spending record = This is bigger ticket stuff, not regular consumables like petrol and tolls. ||<rowbgcolor=lightblue rowstyle="font-weight: bold"> Date || Expense || Cost || Vendor || Notes || || 2023-01-06 || Dealer 0th service || free || Mazda || Free 1-month service || || 2023-09-06 || Dealer 1st service || $330 || Mazda || Should've been the 6-month service but we couldn't book in earlier || || 2023-10-16 || Suncorp comprehensive || $1388.75 || Suncorp || Covered for $50900 with $995 excess || || 2023-10-20 || NRMA comprehensive || $1612.56 || NRMA || Covered for $35000 with $1000 excess, payments are now MONTHLY || || 2025-11-07 || NRMA comprehensive || $1792.06 || NRMA || Covered for $31233 with $1000 excess, monthly payments of $149.34 || || 2026-08-25 || Dealer 4th+5th service || $860.00 || Mazda || Includes the fuel lines and aircon system cleaning upsell for $250-270 or so || || 2026-11-07 || NRMA comprehensive || $1801.68 || NRMA || Covered for $28358 with $1000 excess, monthly payments of $150.14 || = On-road costs = ||<rowbgcolor=lightblue rowstyle="font-weight: bold"> Date || Expense || Cost || Notes || || 2023-10-16 || CTP with QBE || $429.28 || - || || 2023-10-16 || Rego || $582.55 || - || || 2024-10-20 || CTP with QBE || $453.29 || - || || 2024-10-20 || Rego || $625.00 || - || || 2025-10-08 || CTP with NRMA || $558.89 || QBE's website is closed from 01:00 to 05:00, so fuck 'em || || 2025-10-08 || Rego || $661.00 || - || || 2026-10-27 || CTP with NRMA || $612.17 || - || = Estimated yearly running costs = Estimate updated in October 2026, annual values unless specified. * Rego: $580 * A $100 cost-of-living-relief discount is in effect until 2027-08-31 * CTP with NRMA: $612 * Comprehensive with NRMA: $1801 |
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| * Tolls: Averaging $72/mon at the moment * NRMA roadside assistance (renew in mid-April): $110 * Fuel: $180/mon (guess) * Maintenance (eg. tyres, etc): $220 (wild guess) * Loan: $1000/mon |
* Tolls: Averaging $110/mon at the moment ($1320/yr) * NRMA roadside assistance ($11 per month): $132 * Fuel: $150/mon ($1800/yr) * Maintenance (eg. tyres, etc): $144 (wild guess) * Loan: $1008/mon ($12096/yr) * Fudge factor: $11/yr |
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| Call it $18000 per year. | That makes it $18996 per year, or a neat $1583 per month. * Monthly: loan, comprehensive, tolls, NRMA, fuel, small maintenance * Yearly: rego, CTP, servicing |
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| === PAYG === * Loan: $1000 * Tolls: $72 * Fuel: $180 * Smaller maintenance: $18 |
These total to $1583 per month. |
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| Pay $1270 each month. | === PAYG monthly === * Loan: $1008 * Comprehensive insurance: $150 * Tolls: $110 * NRMA roadside: $11 * Fuel: $150 * Smaller maintenance: $12 * Fudge factor: $1 |
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| === Big hits === * Rego: $46.34 * CTP: $35.00 * Comprehensive insurance: $96.67 |
Pay $1442 each month. === Big hits averaged per month === * Rego: $48.33 * CTP: $51.00 |
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| * NRMA membership: $9.17 | |
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| Put aside $230 each month. | Put aside $141 each month. |
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| Assume 1000km per month, and a mileage of 8.5L per 100km. That's 85L per month, and assume a price of about $2.00/L at worst. | We're driving about 9250km per year, which equates to 770km per month, and spending about $150/mon at the moment. We're filling about 73L per month. |
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| That's $170/mon for petrol, round up to $180/mon to give some slack in budgeting. | That gives an average mileage of about 9.45L per 100km, sounds roughly correct. The averaged petrol price is $2.00/L, but it definitely goes up and down around that number. This gives us a distance-cost of 18.9c per km. Assume it's shitty and add 10% to that, for $2.20/L averaged. Thanks Trump, thanks for the war in the middle east. * $165/mon for petrol * 20.8c per km Assume it gets REALLY shit and petrol goes to $2.50/L on average. * $188/mon for petrol * 23.6c per km Anyway for now we budget $150/mon for petrol. |
Contents
Spending record
This is bigger ticket stuff, not regular consumables like petrol and tolls.
Date |
Expense |
Cost |
Vendor |
Notes |
2023-01-06 |
Dealer 0th service |
free |
Mazda |
Free 1-month service |
2023-09-06 |
Dealer 1st service |
$330 |
Mazda |
Should've been the 6-month service but we couldn't book in earlier |
2023-10-16 |
Suncorp comprehensive |
$1388.75 |
Suncorp |
Covered for $50900 with $995 excess |
2023-10-20 |
NRMA comprehensive |
$1612.56 |
NRMA |
Covered for $35000 with $1000 excess, payments are now MONTHLY |
2025-11-07 |
NRMA comprehensive |
$1792.06 |
NRMA |
Covered for $31233 with $1000 excess, monthly payments of $149.34 |
2026-08-25 |
Dealer 4th+5th service |
$860.00 |
Mazda |
Includes the fuel lines and aircon system cleaning upsell for $250-270 or so |
2026-11-07 |
NRMA comprehensive |
$1801.68 |
NRMA |
Covered for $28358 with $1000 excess, monthly payments of $150.14 |
On-road costs
Date |
Expense |
Cost |
Notes |
2023-10-16 |
CTP with QBE |
$429.28 |
- |
2023-10-16 |
Rego |
$582.55 |
- |
2024-10-20 |
CTP with QBE |
$453.29 |
- |
2024-10-20 |
Rego |
$625.00 |
- |
2025-10-08 |
CTP with NRMA |
$558.89 |
QBE's website is closed from 01:00 to 05:00, so fuck 'em |
2025-10-08 |
Rego |
$661.00 |
- |
2026-10-27 |
CTP with NRMA |
$612.17 |
- |
Estimated yearly running costs
Estimate updated in October 2026, annual values unless specified.
- Rego: $580
- A $100 cost-of-living-relief discount is in effect until 2027-08-31
- CTP with NRMA: $612
- Comprehensive with NRMA: $1801
- Servicing: $500
- Tolls: Averaging $110/mon at the moment ($1320/yr)
- NRMA roadside assistance ($11 per month): $132
- Fuel: $150/mon ($1800/yr)
- Maintenance (eg. tyres, etc): $144 (wild guess)
- Loan: $1008/mon ($12096/yr)
- Fudge factor: $11/yr
That makes it $18996 per year, or a neat $1583 per month.
- Monthly: loan, comprehensive, tolls, NRMA, fuel, small maintenance
- Yearly: rego, CTP, servicing
Breakdown to monthly costs
These total to $1583 per month.
PAYG monthly
- Loan: $1008
- Comprehensive insurance: $150
- Tolls: $110
- NRMA roadside: $11
- Fuel: $150
- Smaller maintenance: $12
- Fudge factor: $1
Pay $1442 each month.
Big hits averaged per month
- Rego: $48.33
- CTP: $51.00
- Servicing: $41.67
Put aside $141 each month.
Fuel estimates
We're driving about 9250km per year, which equates to 770km per month, and spending about $150/mon at the moment. We're filling about 73L per month.
That gives an average mileage of about 9.45L per 100km, sounds roughly correct. The averaged petrol price is $2.00/L, but it definitely goes up and down around that number. This gives us a distance-cost of 18.9c per km.
Assume it's shitty and add 10% to that, for $2.20/L averaged. Thanks Trump, thanks for the war in the middle east.
- $165/mon for petrol
- 20.8c per km
Assume it gets REALLY shit and petrol goes to $2.50/L on average.
- $188/mon for petrol
- 23.6c per km
Anyway for now we budget $150/mon for petrol.
Servicing pricing
This is a fixed-cost deal with a nice schedule of expected servicing costs.
Assume we drive about 10,000km per year, and service yearly, which is extremely neat.
Year 1 |
$350 |
- |
Year 2 |
$452 |
brake fluid |
Year 3 |
$426 |
engine air filter |
Year 4 |
$536 |
brake fluid, cabin air filter |
Year 5 |
$350 |
- |
Year 6 |
$528 |
brake fluid, engine air filter |
Year 7 |
$350 |
- |
Year 8 |
$536 |
brake fluid, cabin air filter |
Year 9 |
$426 |
engine air filter |
Year 10 |
$452 |
brake fluid |
The average over 10 years is about $440 per service, plus any extra expenses for labour or things that need replacing. Call it $500 to be sure.