Ownership calculator

Aircraft ownership costs, financing, and hourly reality in one view.

Start with a market price, then layer in the fixed, variable, reserve, and loan costs that turn an asking price into a real ownership budget.

Run the calculator Research aircraft Browse by budget

Aircraft and use

Purchase price Use the likely transaction price, not only the ask.

Hours per year

Fuel burn GPH

Fuel price

Oil per hour

Maintenance per hour

Fixed annual costs

Insurance

Hangar or tiedown

Annual inspection

Databases and charts

Training and recurrent

Other fixed costs

Reserves and planned upgrades

Engine reserve per hour

Prop reserve per hour

Upgrade reserve per year

Finance calculator

Down payment

Percent of purchase price.

Interest rate APR

Loan term

Sales or use tax

Set to 0 if not applicable or handled separately.

Prebuy, escrow, closing

Annual depreciation

Use 0 if you only want cash costs.

Estimated monthly cash cost $4,101

Loan payment $1,393

Economic hourly cost $529/hr

First-year cash needed $89,717

Five-year cash outflow $286,585

Five-year economic cost $236,166

Fixed costs$15,350/yr

Variable costs$10,850/yr

Reserve costs$6,300/yr

Annual financing$16,717/yr

Monthly incl. depreciation$4,410/mo

Down payment$37,000 / 20%

Loan-to-value80%

Loan principal$148,000

Five-year interest$51,666

Balance after five years$116,080

Cash outflow counts loan payments and down payment. Economic cost treats principal repayment as equity and counts interest, operating costs, reserves, depreciation, tax, and closing costs.

What the model includes

Fixed Costs you carry whether you fly or not.

Insurance, storage, annual inspection, database subscriptions, recurrent training, and other fixed owner expenses.

Variable Costs that scale with utilization.

Fuel, oil, and maintenance assumptions turn annual flying hours into a realistic operating budget.

Reserves Future bills brought into today.

Engine, prop, and upgrade reserves help avoid the false comfort of only counting cash spent this month.

Finance Debt service plus purchase friction.

The finance model estimates monthly payment, cash to close, tax, and depreciation so buyers can see the full commitment.