Motorcycle TCO

A ₱85K underbone and a ₱150K Aerox don't cost ₱85K vs ₱150K to own. Over five years, the underbone might cost ₱240K all-in (fuel + maintenance + insurance + LTO + depreciation) and the Aerox ₱340K — but the per-km gap can flip if the Aerox's better fuel efficiency or your usage pattern shifts the math. Sticker price is one input out of many. TCO is the comparison that matters when you're choosing between two bikes — or comparing motorcycle ownership to MRT/PUV commuting.

Three compounding effects: (1) wear parts — chains, sprockets, tires, brake pads, clutch — get hammered at 1.5–2× the personal-use rate; the calculator uses a 1.8× wear multiplier reflecting Grab/Lalamove rider field data; (2) you ride 100–250 km/day instead of 20–40, so fuel + maintenance scale with km; (3) resale takes a 25% haircut on top because delivery-flag bikes are harder to sell — buyers assume the engine has lived hard. A delivery-spec scooter that cost ₱120K new might be worth ₱30K after 4 years, vs ₱55K for a personal one.

Yes for mixed Metro Manila riding. Underbone 110: 50–60 km/L (Wave 110 will hit 65 on highway). Scooter 125: 42–48 km/L. Scooter 155 (Aerox/Nmax): 38–42 km/L. Sport 150: 35–40 km/L. Larger displacement drops fast: 250–400cc sport ~25–30, 650cc ~20–24, adventure 1000cc ~17–20. Stop-and-go Metro Manila and aggressive riding can drop these 15%. Pure highway can add 10%.

Most dealer-arranged motorcycle loans in the PH run 18–28% APR, vastly higher than the 7–9% APR for a car loan or 5–6% for a home loan. On a ₱100K balance for 36 months at 22% APR, you pay roughly ₱41K in interest — a 41% premium over the cash price. The cheapest way to finance a motorcycle is bank pre-approval (BPI Family Auto, Security Bank) at 14–16%, or paying cash. Avoid 'low-down' promo loans where the effective rate is buried in 'service charges' and 'documentation fees.'

Yes — the LTO annual renewal includes the MV User's Charge (₱1,000–₱2,400 by displacement) plus emission and computer fees. The calculator embeds typical values per class: ~₱1,200/yr for underbone/125cc scooter, ~₱1,400 for 155cc, ~₱1,800 for 250–400cc, ~₱2,200 for 650cc, ~₱2,600 for 1000cc+. New-bike registration in year 1 is higher (~3× the renewal) but is typically rolled into the dealer's out-the-door price, so the cash price input usually already covers it.

For CTPL only (compulsory third-party liability) — yes, ₱500–₱700/year. For full comprehensive (acts of nature, theft, collision, third-party property damage), expect ₱4,000–₱8,000 for an underbone or scooter, ₱8,000–₱18,000 for sports/big bikes, ₱25,000+ for adventure/touring 1000cc. CTPL alone leaves you exposed — if you total your bike, you eat the loss. The calculator default assumes CTPL + theft + own-damage which is roughly ₱3,500/yr for an Aerox-class scooter; bump it for big bikes.

Intentionally excluded — those are buy-once-keep-many-years costs that don't scale with mileage. Budget a separate ₱8,000–₱25,000 lump sum for ICC-approved full-face helmet, riding jacket with armor, gloves, and ankle-protective boots. Spend more if you actually want to walk away from the inevitable spill. Cheap (uncertified) helmets fail the impact test; cheap jackets have no abrasion resistance. This is the line item where 'tipid' costs you skin.

No. All math runs in your browser. Bike price, mileage, and loan assumptions never leave your device.