Updated August 18, 2025
Extended Warranty Calculator
Is an extended warranty worth it? Compare warranty costs to expected repair expenses and get personalized recommendations based on your vehicle.
Vehicle Information
Tell us about your vehicle and driving habits
Warranty Details
Enter the extended warranty terms and cost
💡 Shop around: Third-party warranties can cost 30-50% less than dealer warranties. Compare coverage terms carefully.
Cost Analysis
Warranty Cost$2,500
Annual Cost$625
Expected Repair Costs$6,591
Break-Even Amount$2,600
Value Ratio2.6x
Risk Levelmoderate
Coverage Period Outlook
Age at End
7 years
Miles at End
84,000
Expected Net Value
+$3,891
Expected savings
Extended Warranty Recommendation
Consider Carefully
Extended warranty is optional. Expected value is close to cost. Consider your risk tolerance and financial situation.
Monthly Cost
$52.08
Warranty expense
Break-Even Repairs
$2,600
Repairs needed to justify cost
Value Assessment
Good Value
Based on expected repairs
✅ Warranty May Be Worth It If:
- • You drive an unreliable brand/model
- • Your vehicle is luxury or complex (BMW, Mercedes, etc.)
- • You can't afford unexpected $3,000+ repairs
- • You drive in severe conditions
- • Your maintenance habits are poor
- • You plan to keep the car long-term
❌ Skip Warranty If:
- • You drive a reliable brand (Toyota, Honda, Mazda)
- • Your vehicle is still relatively new (<5 years)
- • You have excellent maintenance habits
- • You have $5,000+ emergency fund for repairs
- • The warranty cost exceeds expected repairs
- • You plan to trade/sell before major issues
💡 Money-Saving Tips
- • Get quotes from multiple warranty companies, not just dealers
- • Consider setting aside the warranty cost in a repair fund instead
- • Read the fine print - many repairs aren't covered
- • Factor in deductibles when calculating value
- • Some credit cards offer extended warranty benefits for free