Free Tool · LLD · LOA · Leasing · Purchase
Fleet TCO Calculator: Total Cost of Ownership by financing method
Compare your fleet's total cost of ownership across all financing methods: LLD, LOA, leasing, or direct purchase — fuel, maintenance, insurance, depreciation in real time
Potential savings
worked out on your figures
FINANCING MODES
LLD, LOA, Leasing or Purchase: which financing for your fleet?
Each financing mode directly impacts your fleet's TCO — compare them to choose the best solution for your business
Direct Purchase
You own the vehicle outright. Ideal for fleets seeking to control their assets and residual value.- Immediate ownership
- No monthly payment
- Residual value recovered
Long-Term Rental (LLD)
You rent the vehicle for a fixed term. Services often included. No residual value to manage.- Fixed predictable lease
- Services included
- No resale risk
Lease with Purchase Option (LOA)
You lease with the option to buy at end of contract. Maximum flexibility for your fleet.- Purchase option at contract end
- Deductible payments
- Flexibility
Finance Lease
Professional financing with tax-deductible payments. Ideal for companies subject to corporate tax.- 100% deductible payments
- VAT reclaimable
- Tax optimization
WHAT OUR CUSTOMERS SEE
Maximize your savings with Dadycar
Up to−40%
less time spent managing maintenanceUp to−70%
less time spent on fleet reportsUp to+25%
productivity through automation
Estimate your TCO by financing method
Pick your financing method and adjust the parameters. The results update in real time.
Your fleet
Fuel and energy
Annual running costs
€ 0
Total TCO
over 4 years
€ 0
Potential savings
with Dadycar, assuming 18% optimization
€ 0
TCO per vehicle per month
per vehicle
€ 0.00
Cost per km
per vehicle
This result is an estimate, based on the figures you entered. The savings shown rest on an optimization assumption, not on a commitment.
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Cost breakdown
Estimated monthly costs (fleet)
Cost detail (whole fleet)
Get your full TCO analysis
Our fleet management experts analyze your TCO in detail — every financing method compared — and propose a tailored optimization plan.
TCO report across financing methods
Leasing / LPO / finance lease / purchase compared for your fleet
Tailored savings plan
Concrete recommendations to bring your TCO down
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COMPARISON
LLD, LOA, Finance Lease, Purchase: full comparison table
Choose the financing method best suited to your fleet strategy and tax situation
| Criteria | Purchase | Leasing | LPO | Finance lease |
|---|---|---|---|---|
| Vehicle ownership | ✓ Yes | ✗ No | Option | Option |
| Fixed monthly payment | ✗ No | ✓ Yes | ✓ Yes | ✓ Yes |
| Tax deductibility | Depreciation | 100% of rentals | 100% of rentals | 100% of rentals |
| VAT recovery | Partial | Partial | Partial | ✓ Yes |
| Depreciation risk | ✗ High | ✓ None | ✓ Low | ✓ Low |
| Resale management | ✗ Required | ✓ No | ✓ No | ✓ No |
| Services included (maintenance) | ✗ No | ✓ Yes | Option | Option |
| Balance sheet impact | Asset | Off balance sheet | Off balance sheet | Off balance sheet |
| Ideal for | Well-capitalized SMEs | Large fleets | Flexible fleets | Tax optimization |
What makes TCO management unique with Dadycar
Real-time TCO tracking
Visualize your daily TCO evolution with customizable dashboards and automatic alerts
Costs you watch come down
Identify excessive spending areas and implement corrective actions with Donna, Dadycar’s AI
Complete automation
Automate cost data collection — fuel, maintenance, insurance, fines — everything centralized
AI predictive analysis
Anticipate future costs with our AI engine that analyzes your fleet trends
Personalized TCO reports
Generate detailed TCO reports by vehicle, driver, site, or period in a few clicks
Compliance you can follow
Keep a complete record of all expenses for your internal audits and regulatory obligations
FAQ — TCO, LLD, LOA and Finance Lease for fleet vehicles
Everything you need to know about financing and total cost of ownership
TCO represents all costs related to owning and operating a vehicle over its lifetime: purchase price or payments (LLD/LOA/leasing), fuel, maintenance, insurance, tires, depreciation and all operational costs — the key indicator for evaluating the true profitability of a fleet
LLD is a pure rental with no purchase option — you return the vehicle at contract end, services are often included. LOA lets you acquire the vehicle at end of contract by paying the residual value — more flexible but generally more expensive overall
Finance lease is professional financing with a purchase option at the end. Payments are 100% deductible from taxable income and VAT is reclaimable on commercial vehicles — the preferred solution for companies subject to corporate tax
Dadycar reduces your TCO by optimizing preventive maintenance, tracking fuel consumption in real time, automating claims and fines management, and identifying the most expensive vehicles. The calculator above estimates the effect of an optimization on your own fleet, from an assumption shown under the result.
It depends on your tax situation and strategy. LLD suits large fleets wanting predictable costs, LOA suits flexible fleets, finance lease is optimal for corporate tax optimization, and direct purchase is advantageous if you have capital. Our TCO calculator compares these scenarios in real time
Yes, our online TCO calculator is completely free and without commitment. Simulate your TCO for all financing methods as many times as you want. For a personalized report, fill out the form and a Dadycar expert will contact you within 24 hours
With the same method as for a car: the purchase price or lease payments, fuel, maintenance, tires and insurance over the whole holding period, minus the resale value. On a heavy truck, fuel, maintenance and tires weigh more in the total: enter the truck's real consumption and costs in the calculator, not those of a light vehicle.
Take the first step now!
Opt for Dadycar and revolutionize your fleet management!
Optimize your TCO, compare LLD, LOA and leasing, and reduce your fleet costs.
