calculate-total-cost-of-ownership

calculate-total-cost-of-ownership is a skill for Claude Code from jeffreytse/grimoire-core. It costs 29 tokens per session (1,293 once invoked), scanned A, original, MIT.

A way to calculate a vehicle’s total cost over several years, including depreciation, financing, fuel, insurance, maintenance, and taxes.

In plain words
What is it for?
Comparing vehicles to buy or lease, estimating five-year ownership costs, and evaluating how mileage and location affect the budget.
Why use it?
It shows the real financial difference between vehicles instead of comparing only their purchase or lease prices.

Skill for Claude Code

Written for Claude Code: shipped in a Claude Code plugin. Also seen: positional $N argument.

Part of the grimoire-automotive plugin — 16 skills shipped together

Good fit Comparing vehicles to buy or lease, estimating five-year ownership costs, and evaluating how mileage and location affect the budget.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/jeffreytse/grimoire-core/calculate-total-cost-of-ownership
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add jeffreytse/grimoire-core --skill calculate-total-cost-of-ownership
Clone the repo
git clone --depth 1 https://github.com/jeffreytse/grimoire-core

Made for: Claude Code.

Or install grimoire-automotive, the plugin that ships this one along with the rest of its 16 skills.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for calculate-total-cost-of-ownership

README.md
[![agentmods](https://agentmods.dev/badge/skills/jeffreytse/grimoire-core/calculate-total-cost-of-ownership/github.svg)](https://agentmods.dev/skills/jeffreytse/grimoire-core/calculate-total-cost-of-ownership)
Your own site
<a href="https://agentmods.dev/skills/jeffreytse/grimoire-core/calculate-total-cost-of-ownership"><img src="https://agentmods.dev/badge/skills/jeffreytse/grimoire-core/calculate-total-cost-of-ownership/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

agentmods 80×15 button for calculate-total-cost-of-ownership

Your own site · 80×15
<a href="https://agentmods.dev/skills/jeffreytse/grimoire-core/calculate-total-cost-of-ownership"><img src="https://agentmods.dev/badge/skills/jeffreytse/grimoire-core/calculate-total-cost-of-ownership.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 29 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 1,293 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00029 $0.01293
Opus 5 $0.00015 $0.00647
Sonnet 5 $0.00006 $0.00259
Haiku 4.5 $0.00003 $0.00129

Measured 12d ago against content hash 5e8bc4ae316d, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

calculate-total-cost-of-ownership scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

skills/automotive/buying/skills/calculate-total-cost-of-ownership/SKILL.md · 60 lines

How it starts

The opening of the file, as written. The whole thing — 60 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Calculate Total Cost of Ownership

Compute the full 5-year cost of owning a vehicle — including depreciation, financing, fuel, insurance, maintenance, and taxes — to make financially sound vehicle comparisons.

Why This Is Best Practice

Adopted by: AAA (publishes annual driving cost benchmarks), Edmunds (TCO used by 10M+ buyers/year), Consumer Reports, U.S. General Services Administration fleet procurement, corporate fleet managers
Impact: TCO analysis reveals that vehicles with $5,000–$15,000 lower sticker price can cost $8,000–$22,000 more over 5 years due to depreciation and fuel; AAA reports average TCO of $10,728/year for a new midsize sedan (2023) — 40% higher than most buyers estimate
Why best: Sticker price represents only 30–40% of total ownership cost; depreciation alone accounts for 35–50% of 5-year TCO and is invisible without systematic calculation

Sources: AAA "Your Driving Costs 2023"; Edmunds "True Cost to Own" methodology white paper; Consumer Reports "Car Ownership Cost Guide" (2023)

Steps

  1. Define the comparison scope — Specify vehicle(s) being compared, ownership duration (standard: 5 years / 75,000 miles), annual mileage estimate, ZIP code (affects insurance and fuel price), and financing vs. cash purchase.

  2. Calculate depreciation — Look up residual value at 5 years using Edmunds or Black Book; depreciation = purchase price minus 5-year resale value. Rule of thumb: most mass-market vehicles lose 50–60% of value in 5 years; luxury vehicles 60–70%; trucks/SUVs with high demand 35–50%.

  3. Calculate financing cost — Total interest paid = (monthly payment × number of payments) minus principal. Use a loan amortization calculator; enter purchase price minus down payment, interest rate (check current rates at credit unions, banks, and dealer), and loan term (36–72 months). Longer terms = more total interest despite lower payments.

  4. Calculate insurance cost — Get actual quotes for each vehicle being compared (same coverage levels); annual premium × 5 years. Insurance varies 40–200% between vehicle models on identical driver profiles — sports cars, German luxury, and high-theft vehicles cost significantly more.

Read the full file on GitHub · 60 lines

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 12d ago First seen · 60 lines · 29 tokens per session scan A 5e8bc4ae316d

Subscribe to this mod's changes

calculate-total-cost-of-ownership is a skill published in the GitHub repository jeffreytse/grimoire-core (4 stars, last pushed 24d ago), licensed MIT. It adds 29 tokens to every session and 1,293 once invoked, about $0.0001 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.

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