Common Inputs

Avg Fuel Cost/gal 2.25 Avg over life of ownership

Interest Rate 5 can be 0
Loan Years 4 cannot be less than years owned
Miles Driven /Yr 15000
Years Owned 3 2-5 Yrs
Down Payment $ 8000
Sales Tax (%) 6
Other Purchase Costs 200 Fees, Plates, Other
Residual Factor 1.0 Can change residual % by this factor (1.1 would be 10% higher residual)

Specific Inputs Vibe 1.8 Malibu LT1 HHR LT Vue XE Cobalt LT2 Aura XE
Fuel Econ -Hwy 25 22 22 19 24 22
Fuel Econ - Cty 31 33 30 26 33 33
Insurance $/yr 1,200 1,200 1,200 1,200 1,200 1,200
Maint $/yr 250 250 250 250 250 250
MSRP (inc dest charge) 19,840 24,700 21,480 25,080 20,000 23,325
GM Employee Price 18,156 22,632 19,854 22,897 18,320 21,323
Current Discounts 1,500 2,750 2,500 2,750 2,500 2,750
Price after discounts 16,656 19,882 17,354 20,147 15,820 18,573
Other Purchase Costs 200 200 200 200 200 200
Sales Tax 1,011 1,205 1,053 1,221 961 1,126
downpayment 8,000 8,000 8,000 8,000 8,000 8,000
Out the door cost (loan amt) 9,867 13,287 10,607 13,568 8,981 11,899
Residual Cost after 2 yrs (%) 64 58 52 52 56 54
Residual Cost after 3 yrs (%) 54 48 44 44 44 44
Residual Cost after 4 yrs (%) 48 39 37 36 38 38
Residual Cost after 5 yrs (%) 43 33 30 31 32 31

Intermediate Calcs
Avg Fuel Economy 26.5 24.8 24.0 20.8 26.3 24.8
Total Miles Driven 45,000 45,000 45,000 45,000 45,000 45,000
Residual Price (selling price after use) 10,714 11,856 9,451 11,035 8,800 10,263
Total Principal paid on loan at time of resale 7,213 9,713 7,754 9,918 6,565 8,698
Principal left on loan at time of resale 2,654 3,574 2,853 3,650 2,416 3,201
Loan Payment/Mth 227 306 244 312 207 274
Loan Payments/Yr 2,727 3,672 2,931 3,749 2,482 3,288
Total loan payments 8,181 11,016 8,794 11,248 7,446 9,865
Cash Outlay/Yr (gas, maint, ins, loan) 5,450 6,485 5,788 6,826 5,218 6,102
Cash Outlay/Mth (gas, maint, ins, loan) 454 540 482 569 435 509

Total Ownership Costs

Depreciation 5942 8026 7903 9112 7020 8310
Sales Tax, Fees, other costs 1211 1405 1253 1421 1161 1326
Fuel 3821 4091 4219 4880 3857 4091
Maint 750 750 750 750 750 750
Insurance 3600 3600 3600 3600 3600 3600
Finances Charges 968 1303 1040 1331 881 1167
Total Ownership Costs 16,292 19,175 18,765 21,093 17,269 19,244
Avg Ownership Cost/YR 5,431 6,392 6,255 7,031 5,756 6,415
Avg Ownership Cost/MTH 453 533 521 586 480 535
Common Inputs
Avg Fuel Cost/gal 2.25 Avg over life of ownership
Interest Rate 7 can be 0
Loan Years 3 cannot be less than years owned
Miles Driven /Yr 15000
Years Owned 3 2-5 Yrs
Down Payment $ 8000
Sales Tax (%) 6
Other Purchase Costs 200 Fees, Plates, Other
Residual Factor 1.0 Can change residual % by this factor (1.1 would be 10% higher residual)

Specific Inputs 2006 Vibe Malibu

1.8 LT1 HHR LT Vue XE Cobalt LT2 Aura XE
Fuel Econ -Hwy 24 22 22 19 24 22
Fuel Econ - Cty 31 33 30 26 33 33
Insurance $/yr 1,200 1,200 1,200 1,200 1,200 1,200
Maint $/yr 500 250 250 250 250 250
MSRP (inc dest charge) 18,000 24,700 21,480 25,080 20,000 23,325
Purchase Price 11,000 22,632 19,854 22,897 18,320 21,323
Current Discounts 0 2,750 2,500 2,750 2,500 2,750
Price after discounts 11,000 19,882 17,354 20,147 15,820 18,573
Other Purchase Costs 200 200 200 200 200 200
Sales Tax 672 1,205 1,053 1,221 961 1,126
downpayment 8,000 8,000 8,000 8,000 8,000 8,000
Out the door cost (loan amt) 3,872 13,287 10,607 13,568 8,981 11,899
Residual Cost after 2 yrs (%) 64 58 52 52 56 54
Residual Cost after 3 yrs (%) 54 48 44 44 44 44
Residual Cost after 4 yrs (%) 48 39 37 36 38 38
Residual Cost after 5 yrs (%) 43 33 30 31 32 31

Intermediate Calcs
Avg Fuel Economy 25.8 24.8 24.0 20.8 26.3 24.8
Total Miles Driven 45,000 45,000 45,000 45,000 45,000 45,000
Residual Price (selling price after use) 7,740 11,856 9,451 11,035 8,800 10,263
Total Principal paid on loan at time of resale 3,872 13,287 10,607 13,568 8,981 11,899
Principal left on loan at time of resale 0 0 0 0 0 0
Loan Payment/Mth 120 410 328 419 277 367
Loan Payments/Yr 1,435 4,923 3,930 5,027 3,328 4,409
Total loan payments 4,304 14,769 11,791 15,082 9,983 13,227
Cash Outlay/Yr (gas, maint, ins, loan) 4,445 7,737 6,786 8,104 6,063 7,223
Cash Outlay/Mth (gas, maint, ins, loan) 370 645 566 675 505 602

Total Ownership Costs

Depreciation 3260 8026 7903 9112 7020 8310
Sales Tax, Fees, other costs 872 1405 1253 1421 1161 1326
Fuel 3932 4091 4219 4880 3857 4091
Maint 1500 750 750 750 750 750
Insurance 3600 3600 3600 3600 3600 3600
Finances Charges 432 1482 1184 1514 1002 1328
Total Ownership Costs 13,596 19,354 18,908 21,276 17,390 19,405
Avg Ownership Cost/YR 4,532 6,451 6,303 7,092 5,797 6,468
Avg Ownership Cost/MTH 378 538 525 591 483 539
 Vibe 1.8 Malibu LT1 HHR LT Vue XE Cobalt LT2 Aura XE
Residual Cost after 2 yrs (%) 64 58 52 52 56 54
Residual Cost after 3 yrs (%) 54 48 44 44 44 44
Residual Cost after 4 yrs (%) 48 39 37 36 38 38
Residual Cost after 5 yrs (%) 43 33 30 31 32 31

As of 2/3 from KBB.com

70

65

60 Vibe 1.8
55 Malibu
LT1
50 HHR LT
Vue XE
45
Cobalt LT2
40 Aura XE
35

30
0.5 1 1.5 2 2.5 3 3.5 4 4.5
miles driven
work 2400 200 work days/yr * 12 miles round trip
trips to Ohio 1200 3/yr at 400/trip
To Canada 4680 1.5/wk * 52 wks * 60miles/trip
misc weekly 5475 15/day, 105/wk
vacations 1000
other
total 14755

Actual GM Fleet costs

2006 2900
2007 2143
2008 1713
Avg 2252