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True Cost Insights

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Does paying more up front pay off for you?

The true cost of a car or a water heater: price, fuel or energy, insurance, repairs, and resale, from your own answers and today’s prices, across 20 ways the future could go.

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Live example · US average prices

2027 Honda CR-V vs 2027 Tesla Model Y, new, 8 years

CR-V comes out cheaper in 19 of 20 ways the next 8 years could go — by about $70 a month.

Model Y wins the other 1.

Twenty possible futures over 8 years19 of 20 futures land on the side where CR-V costs less, 1 where Model Y costs less. Values range from -$2,198 to $14,506.same cost$10k$0$10k← Model Y costs lessCR-V costs less →
See the 20 futures as numbers
FutureWho costs less, and by how much
1CR-V by $14,506
2CR-V by $12,909
3CR-V by $11,668
4CR-V by $10,944
5CR-V by $10,235
6CR-V by $9,465
7CR-V by $8,992
8CR-V by $8,488
9CR-V by $7,893
10CR-V by $7,184
11CR-V by $6,688
12CR-V by $6,208
13CR-V by $5,661
14CR-V by $5,047
15CR-V by $4,465
16CR-V by $3,885
17CR-V by $3,105
18CR-V by $2,226
19CR-V by $764
20Model Y by $2,198

Live source

Weekly retail gasoline prices by state and region

U.S. Energy Information Administration

Data as of Oct 26, 2026.

Weekly average for the state where EIA reports one, otherwise for its region.

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How it works

  1. Pick what you’re weighing

    Two cars, or keeping yours. A new kind of water heater, or another of the same.

  2. Answer up to three questions

    Where you live, how much you drive or how many people live at home, and where you’d charge or what heats your water now.

  3. See 20 ways it could go

    Every cost of owning each option, counted across 20 futures: how often each comes out cheaper, by how much a month, and what would flip it.

How to check our numbers

See every source and assumption