The 2026 Tesla Model 3 costs about $49,059 to own over 5 years — about $818 per month — at 15,000 miles/year and national-average rates. That breaks down as 5-year depreciation: $22,490; annual insurance: $2,552; annual charging: $550; annual maintenance: $225; annual tires: $375.
Cost of Ownership
2026 Tesla Model 3 — 5-Year Cost of Ownership
The sticker price is only the start. This calculator builds the 2026 Tesla Model 3’s real five-year cost from depreciation, insurance, charging, maintenance, tires, and financing — then lets you tune it to your state, mileage, and loan. Every figure updates instantly, no sign-up.
At national-average rates, the 2026 Tesla Model 3 costs about $49,059 to own over 5 years — roughly $818 per month — including depreciation, insurance, charging, maintenance, tires, and financing at 15,000 miles a year.
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What goes into the number
The five-year total combines six costs: depreciation, insurance, charging, maintenance and repairs, tires, and loan interest. Depreciation is usually the largest — and the easiest to miss, because you only feel it when you sell or trade in.
Over five years the 2026 Tesla Model 3 is projected to lose about $22,490 of its value — roughly 61% of its $36,990 starting price — based on CarEdge retention data. That single figure often outweighs charging and maintenance combined, which is why two cars with the same sticker can cost thousands apart to own.
The recurring costs — insurance, charging, maintenance, and tires — are shown at national-average rates and 15,000 miles a year. Financing reflects a standard 5-year loan at the national-average new-car rate. Every number is built from real data — depreciation from CarEdge, charging from current EIA residential electricity rates — never a flat per-mile guess.