A distance-based maintenance budget
Divide the cost of a recurring item by its distance interval and multiply by annual distance. This produces a long-run average budget, including a share of the next tire set. Use your maintenance schedule and actual quotes; starting numbers are neither prescribed intervals nor market estimates.
annual budget = annual km ÷ service interval × service cost + annual km ÷ tire life × tire cost + other annual costs
Worked annual-budget example
At 15,000 km annually, $300 services every 10,000 km, a $800 tire set every 40,000 km and $100 other annual costs, the average budget is $850 per year. Actual cash payments can differ: a tire set is purchased as a whole rather than paid for in monthly fractions.
Distance and calendar intervals
Some items are due by distance or elapsed time, whichever comes first. If low-mileage use still requires annual servicing, place that cost in the annual field instead of counting it again by distance. Insurance, fuel, taxes, depreciation and unexpected repairs are not automatically included.