This works.

Keeping the paid-off car saves about $8,281/yr on these inputs. Replacing only wins if old-car repairs climb past about $9,781/yr.

$8,281/yr

Cash basis only: no old-car depreciation, no financing on the keep side. This hinges on repairs and insurance mode; replace estimates with real quotes before using it as advice.

See every assumption - and change any of them.

Keeping the paid-off car saves about $8,281/yr on these inputs. Replacing only wins if old-car repairs climb past about $9,781/yr.

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