## Build a monthly TCO
Add loan or opportunity cost, fuel via Fuel trip cost, insurance, maintenance, tires, parking, and tolls. Car total cost and Auto loan keep the math honest. For powertrain choice, EV vs petrol is a sensitivity tool — not a brand ad.
## Job offer commute check
A higher salary can vanish in parking and hours. Run Commute cost before you accept. Time is not free even if your model does not price it.
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Note: Educational content from Calcly Nigeria. Official sources (FIRS — PAYE consolidated relief not fully applied.) and licensed professionals take priority in Nigeria.