Used Car Holding Cost Calculator
Work out what it costs to hold a used car on your lot each day, including cost of money, insurance, lot and lost value.
Last checked November 14, 2026
- Holding cost so far
- $561
- Holding cost per day
- $9.34
- Cost of money
- $141
- Insurance, lot and lost value
- $420
What holding cost includes
- The cost of the money tied up in the car.
- Insurance and lot costs.
- Value the car loses as it ages.
- Floor plan interest, if you use one.
Use it to price
Once you know a car costs you about $15 a day to hold, a $300 price cut after 20 days makes sense.
Common questions
Why track holding cost?
It shows the real cost of a slow car and helps you decide when to cut the price or wholesale it.
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