Free 5-Year Car Depreciation Calculator: How Much Will My Car Depreciate?

Purchase price

Vehicle type

Fuel type

Petrol

Diesel

Hybrid

Electric

Quick presets

Economy

Average

Luxury

Sports

Custom rate (optional)

Effective rate: 14.0% per year

See how your car’s value could change over the next 5 years.

Reducing balance model at 14.0% per year

Based on the purchase price, vehicle type, fuel type and preset you choose, we estimate how much value the car may lose each year.

The chart shows the projected value from today through to year 5, so you can see the expected drop over time. The summary below highlights the estimated value after 5 years, the total amount lost to depreciation, the percentage of value retained and the average yearly loss.

Value after 5 years

Estimated retained value

£14,112.81

Total depreciation: £15,887.19
Retained after 5 years: 47.0%
Average annual loss: £3,177.44

Year 1

Yr 1

£25,800

−£4,200 / yearCumulative lost: 14.0%

Year 2

Yr 2

£22,188

−£3,612 / yearCumulative lost: 26.0%

Year 3

Yr 3

£19,081.68

−£3,106.32 / yearCumulative lost: 36.4%

Year 4

Yr 4

£16,410.24

−£2,671.44 / yearCumulative lost: 45.3%

Year 5

Yr 5

£14,112.81

−£2,297.43 / yearCumulative lost: 53.0%

Depreciation rates reference

Base rates are derived from 2025 UK 3-year residual value benchmarks. Fuel type acts as a multiplier on the base rate. Display values are rounded to one decimal place.

Vehicle type	Petrol	Diesel	Hybrid	Electric
Coupe / sports coupe	9.0%	8.1%	8.7%	9.7%
4x4 / SUV (large)	11.0%	9.9%	10.7%	11.9%
MPV	11.0%	9.9%	10.7%	11.9%
Hatchback / supermini	12.0%	10.8%	11.6%	13.0%
City car	12.0%	10.8%	11.6%	13.0%
Estate / small SUV	12.0%	10.8%	11.6%	13.0%
Convertible	12.5%	11.3%	12.1%	13.5%
Average / saloon	14.0%	12.6%	13.6%	15.1%
Sports car	16.0%	14.4%	15.5%	17.3%
Executive saloon	14.0%	12.6%	13.6%	15.1%
Lower medium	14.5%	13.1%	14.1%	15.7%

How does this car depreciation calculator work?

This tool estimates depreciation using the Declining Balance method: each year the car loses a fixed percentage of its current value (not the original price). That’s why depreciation is usually steep in year one and flattens over time.

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The application process only takes us a few minutes. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for.

Car depreciation calculator

Value after 5 years

£14,112.81

Depreciation rates reference

How does this car depreciation calculator work?

Let's Get You Started