{"id":16942,"date":"2026-01-01T14:32:25","date_gmt":"2026-01-01T19:32:25","guid":{"rendered":"https:\/\/camion-hino.net\/?p=16942"},"modified":"2026-01-08T16:50:14","modified_gmt":"2026-01-08T21:50:14","slug":"total-cost-of-ownership-hino-l8-tco","status":"publish","type":"post","link":"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/","title":{"rendered":"Total Cost of Ownership &#8211; Hino L8 TCO : calculation, cashflow and tips"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16942\" class=\"elementor elementor-16942 elementor-16941\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2442e6ef e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"2442e6ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-574f6bc elementor-widget elementor-widget-text-editor\" data-id=\"574f6bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>In summary :<\/h3>\n\n<ul>\n \t<li><strong>TCO (total cost of ownership)<\/strong> = <em>depreciation + fuel + annual costs (maintenance\/insurance\/plate) + interest on financing<\/em> (in this scenario).<\/li>\n \t<li><strong>Scenario used<\/strong>: Hino L8 at <strong>$145,000<\/strong> (purchase) \u2192 <strong>$80,000<\/strong> (resale), <strong>5 years<\/strong>, <strong>60,000 km\/year<\/strong>, diesel <strong>$1.85\/L<\/strong>, average consumption <strong>25 L\/100 km<\/strong>, other costs <strong>$18,000\/year<\/strong>, financing <strong>7.99% \/ 60 months<\/strong> with <strong>15% down payment<\/strong>.<\/li>\n \t<li><strong>Depreciation<\/strong>: <strong>$13,000\/year<\/strong> (145,000 &#8211; 80,000 \u00f7 5).<\/li>\n \t<li><strong>Fuel<\/strong>: <strong>$27,750\/year<\/strong> (15,000 L\/year \u00d7 $1.85).<\/li>\n \t<li><strong>Financing<\/strong>: down payment <strong>$21,750<\/strong>, amount financed <strong>$123,250<\/strong>, payment <strong>\u2248 $2,498.48\/month<\/strong>, total interest <strong>\u2248 $26,658.55<\/strong> over 5 years.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<strong>Hino L8 TCO result<\/strong>: <strong>\u2248 $64,082\/year<\/strong>, i.e. <strong>\u2248 $1.07\/km<\/strong>, and <strong>\u2248 $320,409<\/strong> net over <strong>5 years<\/strong> (after resale).\n<ul>\n \t<li><strong>Monthly recurring cashflow<\/strong> (payment + fuel + annual costs): <strong>\u2248 $6,125.98\/month<\/strong>.<\/li>\n \t<li><strong>Major flows<\/strong>: <strong>-$21,750<\/strong> at start (downpayment) and <strong>+$80,000<\/strong> at end (resale).<\/li>\n \t<li><strong>Lever #1<\/strong>: consumption by driving 60,000 km\/year, <strong>+1 L\/100 km = $1,110\/year<\/strong> (on diesel at $1.85\/L).<\/li>\n \t<li><strong>What really moves the TCO<\/strong>: fuel consumption, diesel price, resale value, and stability of annual costs (maintenance\/insurance\/plate).<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6700d16 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6700d16\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ab9ceec e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ab9ceec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52780fb elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"52780fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Download our free TCO calculator!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cff818 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5cff818\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Keep your free TCO calculator on your device for life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccf81bf elementor-widget elementor-widget-off-canvas\" data-id=\"ccf81bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"off-canvas.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div id=\"off-canvas-ccf81bf\" class=\"e-off-canvas\" role=\"dialog\" aria-hidden=\"true\" aria-label=\"Off-Canvas-Calculator\" aria-modal=\"true\" inert=\"\" data-delay-child-handlers=\"true\">\n\t\t\t<div class=\"e-off-canvas__overlay\"><\/div>\n\t\t\t<div class=\"e-off-canvas__main\">\n\t\t\t\t<div class=\"e-off-canvas__content\">\n\t\t\t\t\t<div class=\"elementor-element elementor-element-3d605d4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3d605d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12a171c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"12a171c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"#elementor-action%3Aaction%3Doff_canvas%3Atoggle%26settings%3DeyJpZCI6IjA5ZDJjYzMiLCJkaXNwbGF5TW9kZSI6InRvZ2dsZSJ9\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b4a16 elementor-widget elementor-widget-heading\" data-id=\"59b4a16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Download our TCO calculator <br>(Total Cost of Ownership)  <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8bb4416 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"8bb4416\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a0e404e e-grid e-con-full wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"a0e404e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c76f1 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"a1c76f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" id=\"Calculateur_TCO\" name=\"New form\" aria-label=\"New form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"16942\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"a1c76f1\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-prenom elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-prenom\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tYour first name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[prenom]\" id=\"form-field-prenom\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"First name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-nom elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-nom\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tYour surname\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[nom]\" id=\"form-field-nom\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEnter your e-mail address\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"E-mail\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_1e5010d elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_1e5010d\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEnter your phone number\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_1e5010d]\" id=\"form-field-field_1e5010d\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Phone\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_a6f8145 elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_a6f8145\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LdMefUqAAAAANd6aqUmYp-GEvGlVGWZLwAxtypT\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-download\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 136V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zm76.45 211.36l-96.42 95.7c-6.65 6.61-17.39 6.61-24.04 0l-96.42-95.7C73.42 337.29 80.54 320 94.82 320H160v-80c0-8.84 7.16-16 16-16h32c8.84 0 16 7.16 16 16v80h65.18c14.28 0 21.4 17.29 11.27 27.36zM377 105L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1c0-6.3-2.5-12.4-7-16.9z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the calculator<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ca0e63 elementor-widget elementor-widget-image\" data-id=\"1ca0e63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"782\" height=\"1020\" src=\"https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min.jpeg\" class=\"attachment-full size-full wp-image-17003\" alt=\"Hino L8 Truck TCO Calculator - Hino Trucks, Hino Quebec, Hino South Shore and Hino Drummondville-min\" srcset=\"https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min.jpeg 782w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-230x300.jpeg 230w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-768x1002.jpeg 768w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-600x783.jpeg 600w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-41x54.jpeg 41w\" sizes=\"(max-width: 782px) 100vw, 782px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Overview of the TCO calculator you're about to get<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ede1f8 elementor-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"7ede1f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Doff_canvas%3Aopen%26settings%3DeyJpZCI6IjA5ZDJjYzMiLCJkaXNwbGF5TW9kZSI6Im9wZW4ifQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-download\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 136V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zm76.45 211.36l-96.42 95.7c-6.65 6.61-17.39 6.61-24.04 0l-96.42-95.7C73.42 337.29 80.54 320 94.82 320H160v-80c0-8.84 7.16-16 16-16h32c8.84 0 16 7.16 16 16v80h65.18c14.28 0 21.4 17.29 11.27 27.36zM377 105L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1c0-6.3-2.5-12.4-7-16.9z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11b8c3ad elementor-widget elementor-widget-text-editor\" data-id=\"11b8c3ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/span>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#Total_Cost_of_Ownership_TCO_of_a_Hino_L8_full_calculation_cashflow_5-year_scenario_60000_kmyear\" >Total Cost of Ownership (TCO) of a Hino L8 full calculation + cashflow (5-year scenario \/ 60,000 km\/year)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#1_What_does_TCO_actually_mean\" >1) What does TCO actually mean?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#2_Scenario_assumptions_basic_figures\" >2) Scenario assumptions (basic figures)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#3_Hino_L8_TCO_calculation_step-by-step\" >3) Hino L8 TCO calculation (step-by-step)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#4_Hino_L8_TCO_results_final_figures\" >4) Hino L8 TCO results (final figures)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#5_CASHFLOW_version_what_you_actually_get_out_monthly_yearly\" >5) CASHFLOW version: what you actually get out (monthly + yearly)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#6_Summary_Table_TCO_of_the_Hino_L8\" >6) Summary (Table): TCO of the Hino L8<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#Table_1_Hino_L8_TCO_Total_Cost_of_Ownership_-_Summary\" >Table 1: Hino L8 TCO (Total Cost of Ownership) - Summary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#Table_2_Cash_Flow_OutflowsInflows_-_Monthly_for_the_Hino_L8\" >Table 2: Cash Flow (Outflows\/Inflows) - Monthly for the Hino L8<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/camion-hino.net\/en\/total-cost-of-ownership-hino-l8-tco\/#7_The_levers_that_really_move_your_TCO_and_how_to_control_them\" >7) The levers that really move your TCO (and how to control them)<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Total_Cost_of_Ownership_TCO_of_a_Hino_L8_full_calculation_cashflow_5-year_scenario_60000_kmyear\"><\/span>Total Cost of Ownership (TCO) of a <span style=\"text-decoration: underline;\"><a href=\"https:\/\/camion-hino.net\/en\/hino-l8-truck\/\">Hino L8<\/a><\/span> full calculation + cashflow (5-year scenario \/ 60,000 km\/year)<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Buying a truck isn&#8217;t just about &#8220;a price on an invoice&#8221;. The real figure that determines whether your truck is profitable is the <strong>Total Cost of Ownership (TCO<\/strong> ): everything the truck costs you <strong>per month<\/strong> and <strong>per kilometer<\/strong>, over its lifetime&#8230; <strong>minus the resale value<\/strong>. <\/p><p>If you&#8217;re thinking of buying a 6-wheel truck with a GVWR of 35,000 lbs, the <strong data-start=\"126\" data-end=\"137\">Hino L8 is for you. <\/strong>For hauling (20\/28-foot box, distribution, fleet) or towing, the price on the invoice is only a small part of the story. What really counts is the <strong>Hino L8 TCO or Total Cost of Ownership of the Hino L8<\/strong>: everything the truck will cost you <strong>over 5 years<\/strong>, <strong>per km<\/strong>, and above all <strong>in cash outflow.<\/strong><\/p><p>In this article, we&#8217;ll give you a <strong>concrete example<\/strong> based on a realistic scenario, with <strong>financing at 7.99%<\/strong> and a <strong>down payment of 15%<\/strong>, then show you how to adapt it to YOUR reality.<\/p><h2><span class=\"ez-toc-section\" id=\"1_What_does_TCO_actually_mean\"><\/span>1) What does TCO actually mean?  <span class=\"ez-toc-section-end\"><\/span><\/h2><p>The <strong>TCO<\/strong> adds up all the real costs involved in operating the truck:<\/p><ol><li><strong>Depreciation<\/strong> (purchase &#8211; resale)<\/li><li><strong>Financing<\/strong> (interest, fees)<\/li><li><strong>Fuel<\/strong><\/li><li><strong>Preventive maintenance<\/strong> (scheduled services)<\/li><li><strong>Repairs\/contingencies<\/strong><\/li><li><strong>Tires\/brakes<\/strong><\/li><li><strong>Insurance + registration\/license<\/strong><\/li><li><strong>Downtime<\/strong>: towing, delays, replacement rentals, loss of opportunity<\/li><\/ol><blockquote><p><span style=\"color: #ff0000;\">\ud83d\udc49 The right indicator to compare two trucks is often: <strong>$\/km<\/strong>.<\/span><\/p><\/blockquote><h2><span class=\"ez-toc-section\" id=\"2_Scenario_assumptions_basic_figures\"><\/span>2) Scenario assumptions (basic figures)<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Let&#8217;s take a fairly neutral, standard scenario for the transport industry:<\/p><ul><li><p><strong>Hino L8 (chassis cab only: no equipment) &#8211; Purchase price: $145,000<\/strong><\/p><\/li><li><p><strong>Resale after 5 years: $80,000<\/strong><\/p><\/li><li><p><strong>Usage: 60,000 km\/year<\/strong><\/p><\/li><li><p><strong>Horizon: 5 years (300,000 km)<\/strong><\/p><\/li><li><p><strong>Diesel: $1.85\/L<\/strong><\/p><\/li><li><p><strong>Average fuel consumption: 25 L\/100 km<\/strong><\/p><\/li><li><p><strong>Other costs (maintenance + insurance + plate)<\/strong>: <strong data-start=\"3737\" data-end=\"3765\">\u2248 <\/strong><strong>$18,000\/year<\/strong><\/p><\/li><li><p><strong>Financing: 7.99% over 60 months<\/strong><\/p><\/li><li><p><strong>Down payment: 15% or $21,750<\/strong><\/p><\/li><\/ul><blockquote><p><strong><span style=\"color: #ff0000;\">Please note<\/span><\/strong> <strong>taxes (GST\/QST), administration fees, tires, downtime<\/strong> and consumption variations (city\/highway\/load\/ralentiate) are <strong>not<\/strong> included here, to keep the model clear and comparable.<\/p><\/blockquote><h2 data-start=\"2742\" data-end=\"2784\"><span class=\"ez-toc-section\" id=\"3_Hino_L8_TCO_calculation_step-by-step\"><\/span>3) Hino L8 TCO calculation (step-by-step)<span class=\"ez-toc-section-end\"><\/span><\/h2><h3 data-start=\"2786\" data-end=\"2814\">A) Annual depreciation<\/h3><p><span class=\"base\"><span class=\"mord text\"><span class=\"mord\">D\u00e9<\/span><span class=\"mord\">pre<\/span><span class=\"mord\">ciation <\/span> <\/span><span class=\"mrel\">=  <\/span><\/span><span class=\"base\"><span class=\"mopen\">(<\/span><span class=\"mord\">145 <\/span><span class=\"mord\">000 $<\/span><span class=\"mbin\">&#8211;<\/span><\/span><span class=\"base\"><span class=\"mord\">80 <\/span><span class=\"mord\">000 $<\/span><span class=\"mclose\">)<\/span><span class=\"mord\">\/5 years <\/span><span class=\"mrel\">=<\/span><\/span><span class=\"base\"><span class=\"mord\">13 <\/span><span class=\"mord\">000<\/span><span class=\"mord\">$\/<\/span><span class=\"mord mathnormal\">year<\/span><\/span><\/p><p data-start=\"2886\" data-end=\"2922\">\u2705 <strong data-start=\"2888\" data-end=\"2904\">Depreciation<\/strong>: <strong data-start=\"2907\" data-end=\"2922\">$13,000\/year<\/strong><\/p><hr data-start=\"2924\" data-end=\"2927\"><h3 data-start=\"2929\" data-end=\"2966\">B) Annual fuel (23 L\/100 km) with 60,000 km\/year<\/h3><ol><li data-start=\"2970\" data-end=\"2981\">Litres\/year : <span class=\"base\"><span class=\"mord\">60 <\/span><span class=\"mord\">000<\/span><span class=\"mbin\">\u00d7<\/span><\/span><span class=\"base\"><span class=\"mord\">25\/100 <\/span><span class=\"mrel\">= <\/span><\/span><span class=\"base\"><span class=\"mord\">15 0<\/span><span class=\"mord\">00<\/span><span class=\"mspace\"> <\/span><span class=\"mord mathnormal\">L<\/span><span class=\"mord\">\/<\/span><span class=\"mord mathnormal\">year<\/span><\/span><\/li><li data-start=\"3026\" data-end=\"3038\"><p data-start=\"3029\" data-end=\"3038\">Cost\/year : <span class=\"base\"><span class=\"mord\">15 0<\/span><span class=\"mord\">00<\/span><span class=\"mbin\">\u00d7<\/span><\/span><span class=\"base\"><span class=\"mord\">1<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">85 <\/span><span class=\"mrel\">= <\/span><\/span><span class=\"base\"><span class=\"mord\">27 75<\/span><span class=\"mord\">0<\/span><span class=\"mspace\"> <\/span><span class=\"mord\">$\/<\/span><span class=\"mord mathnormal\">year<\/span><\/span><\/p><\/li><\/ol><p data-start=\"3083\" data-end=\"3116\">\u2705 <strong data-start=\"3085\" data-end=\"3098\">Fuel<\/strong>: <strong data-start=\"3101\" data-end=\"3116\">$27,750\/year<\/strong><\/p><hr data-start=\"3118\" data-end=\"3121\"><h3 data-start=\"3123\" data-end=\"3172\">C) Other annual costs (Approximately $18,000\/year)<\/h3><p data-start=\"3173\" data-end=\"3229\">\u2705 <strong data-start=\"3175\" data-end=\"3211\">Maintenance + insurance + plate<\/strong>: <strong data-start=\"3737\" data-end=\"3765\">\u2248<\/strong> <strong data-start=\"3214\" data-end=\"3229\">$18,000\/year<\/strong><\/p><hr data-start=\"3231\" data-end=\"3234\"><h3 data-start=\"3236\" data-end=\"3293\">D) Financing (7.99% over 60 months, 15% down payment)<\/h3><ul data-start=\"3294\" data-end=\"3549\"><li data-start=\"3294\" data-end=\"3344\"><p data-start=\"3296\" data-end=\"3344\"><strong data-start=\"3296\" data-end=\"3313\">Downpayment<\/strong>: $145,000 \u00d7 15% = <strong data-start=\"3332\" data-end=\"3344\">$21,750<\/strong><\/p><\/li><li data-start=\"3345\" data-end=\"3401\"><p data-start=\"3347\" data-end=\"3401\"><strong data-start=\"3347\" data-end=\"3366\">Amount financed<\/strong>: $145,000 &#8211; 21,750 = <strong data-start=\"3388\" data-end=\"3401\">$123,250<\/strong><\/p><\/li><li data-start=\"3402\" data-end=\"3456\"><p data-start=\"3404\" data-end=\"3456\"><strong data-start=\"3404\" data-end=\"3434\">Monthly payment (60 months)<\/strong>: <strong data-start=\"3437\" data-end=\"3456\">$2,498.48\/month<\/strong><\/p><\/li><li data-start=\"3457\" data-end=\"3549\"><p data-start=\"3459\" data-end=\"3549\"><strong data-start=\"3459\" data-end=\"3488\">Total interest over 5 years<\/strong>: <strong data-start=\"3491\" data-end=\"3506\">$26,658.55<\/strong><br data-start=\"3506\" data-end=\"3509\">\u2192 annual average: <strong data-start=\"3532\" data-end=\"3549\">$5,331.71\/year<\/strong><\/p><\/li><\/ul><p data-start=\"3551\" data-end=\"3604\">\u2705 <strong data-start=\"3553\" data-end=\"3584\">Interest (annual average)<\/strong>: <strong data-start=\"3587\" data-end=\"3604\">$5,331.71\/year<\/strong><\/p><h2 data-start=\"3611\" data-end=\"3648\"><span class=\"ez-toc-section\" id=\"4_Hino_L8_TCO_results_final_figures\"><\/span>4) Hino L8 TCO results (final figures)<span class=\"ez-toc-section-end\"><\/span><\/h2><h4 data-start=\"3650\" data-end=\"3666\"><span style=\"font-size: 20px;\">\u2705 Hino L8 annual TCO<\/span><\/h4><p data-start=\"3938\" data-end=\"3971\"><span class=\"base\"><span class=\"mord\">13 <\/span><span class=\"mord\">000 <\/span><span class=\"mbin\">+ <\/span> <\/span><span class=\"base\"><span class=\"mord\">27 75<\/span><span class=\"mord\">0 <\/span><span class=\"mbin\">+ <\/span> <\/span><span class=\"base\"><span class=\"mord\">18 <\/span><span class=\"mord\">000 <\/span><span class=\"mbin\">+ <\/span> <\/span><span class=\"base\"><span class=\"mord\">5 <\/span><span class=\"mord\">331<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">71 <\/span><span class=\"mrel\">= <\/span> <\/span><span class=\"base\"><span class=\"mord\">64 081<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">71<\/span><span class=\"mspace\"> <\/span><span class=\"mord\">$\/<\/span><span class=\"mord mathnormal\">year<\/span><\/span><\/p><p data-start=\"3734\" data-end=\"3765\">\u27a1\ufe0f <strong data-start=\"3737\" data-end=\"3765\">Annual TCO \u2248 $64,082\/year<\/strong><\/p><h4 data-start=\"3767\" data-end=\"3783\"><span style=\"font-size: 20px;\">\u2705 Hino L8 TCO per km<\/span><\/h4><p data-start=\"3938\" data-end=\"3971\"><span class=\"base\"><span class=\"mord\">64 081<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">71 $ \/ 60 <\/span><span class=\"mord\">000 km <\/span><span class=\"mrel\">= <\/span><\/span><span class=\"base\"><span class=\"mord\">1<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">0680<\/span><span class=\"mspace\"> <\/span><span class=\"mord\">$\/<\/span><span class=\"mord mathnormal\">km<\/span><\/span><\/p><p data-start=\"3828\" data-end=\"3850\">\u27a1\ufe0f <strong data-start=\"3831\" data-end=\"3850\">TCO \u2248 $1.07\/km<\/strong><\/p><h4 data-start=\"3852\" data-end=\"3892\"><span style=\"font-size: 20px;\">\u2705 Net cost over 5 years (after resale) of the Hino L8<\/span><\/h4><p data-start=\"3938\" data-end=\"3971\"><span class=\"base\"><span class=\"mord\">64 08<\/span><span class=\"mord\">1<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">71\/year <\/span><span class=\"mbin\">\u00d7 <\/span> <\/span><span class=\"base\"><span class=\"mord\">5 years <\/span><span class=\"mrel\">= <\/span> <\/span><span class=\"base\"><span class=\"mord\">320 4<\/span><span class=\"mord\">08<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">55<\/span><span class=\"mspace\"> <\/span><span class=\"mord\">$<\/span><\/span><\/p><p data-start=\"3938\" data-end=\"3971\">\u27a1\ufe0f <strong data-start=\"3941\" data-end=\"3971\">Net cost 5 years \u2248 $320,409<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c414784 elementor-widget elementor-widget-text-editor\" data-id=\"c414784\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"3978\" data-end=\"4046\"><span class=\"ez-toc-section\" id=\"5_CASHFLOW_version_what_you_actually_get_out_monthly_yearly\"><\/span>5) CASHFLOW version: what you actually get out (monthly + yearly)<span class=\"ez-toc-section-end\"><\/span><\/h2><p data-start=\"4048\" data-end=\"4129\">Cashflow is the reality on the ground: <strong data-start=\"4088\" data-end=\"4116\">how much you take out per month<\/strong> to drive.<\/p><h3 data-start=\"4131\" data-end=\"4167\">A) Monthly cash flow (months 1 to 60)<\/h3><ol data-start=\"4168\" data-end=\"4264\"><li data-start=\"4168\" data-end=\"4219\"><p data-start=\"4171\" data-end=\"4219\"><strong data-start=\"4171\" data-end=\"4195\">Financing payment<\/strong>: <strong data-start=\"4198\" data-end=\"4217\">$2,498.48\/month<\/strong><\/p><\/li><li data-start=\"4220\" data-end=\"4264\"><p data-start=\"4223\" data-end=\"4264\"><strong data-start=\"4223\" data-end=\"4260\">Fuel + other monthly costs<\/strong>:  <span class=\"base\"><span class=\"mopen\">(<\/span><span class=\"mord\">27 75<\/span><span class=\"mord\">0$ <\/span><span class=\"mbin\">+ <\/span> <\/span><span class=\"base\"><span class=\"mord\">18 <\/span><span class=\"mord\">000$<\/span><span class=\"mclose\">) <\/span><span class=\"mord\">\/ 12 months <\/span><span class=\"mrel\">= <\/span> <\/span><strong><span class=\"base\"><span class=\"mord\">3 812<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">50<\/span><span class=\"mspace\"> <\/span><span class=\"mord\">$\/<\/span><span class=\"mord mathnormal\">m<\/span><span class=\"mord mathnormal\">o<\/span><span class=\"mord mathnormal\">i<\/span><span class=\"mord mathnormal\">s<\/span><\/span><\/strong><\/p><\/li><\/ol><p data-start=\"4318\" data-end=\"4349\">\u2705 <strong data-start=\"4320\" data-end=\"4347\">Monthly recurring total<\/strong>:<\/p><p data-start=\"4318\" data-end=\"4349\"><span class=\"base\"><span class=\"mord\">2 <\/span><span class=\"mord\">498<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">48 $<\/span><span class=\"mbin\">+ <\/span> <\/span><span class=\"base\"><span class=\"mord\">3 812,50<\/span><span class=\"mord\"> $ <\/span><span class=\"mrel\">= <\/span> <\/span><span class=\"base\"><span class=\"mord\">6 310<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">98<\/span><span class=\"mspace\"> <\/span><span class=\"mord\">$\/<\/span><span class=\"mord mathnormal\">m<\/span><span class=\"mord mathnormal\">o<\/span><span class=\"mord mathnormal\">i<\/span><span class=\"mord mathnormal\">s<\/span><\/span><\/p><p data-start=\"4400\" data-end=\"4441\">\u27a1\ufe0f <strong data-start=\"4403\" data-end=\"4441\">Monthly cashflow \u2248 $6,310.98\/month<\/strong><\/p><h3 data-start=\"4443\" data-end=\"4463\">B) One-off flows<\/h3><ul data-start=\"4464\" data-end=\"4544\"><li data-start=\"4464\" data-end=\"4506\"><p data-start=\"4466\" data-end=\"4506\"><strong data-start=\"4466\" data-end=\"4476\">Day 0<\/strong>: down payment <strong data-start=\"4493\" data-end=\"4506\">-$21,750<\/strong><\/p><\/li><li data-start=\"4507\" data-end=\"4544\"><p data-start=\"4509\" data-end=\"4544\"><strong data-start=\"4509\" data-end=\"4520\">Month 60<\/strong>: resale <strong data-start=\"4531\" data-end=\"4544\">+$80,000<\/strong><\/p><\/li><\/ul><p data-start=\"4546\" data-end=\"4634\">\u27a1\ufe0f In <strong data-start=\"4552\" data-end=\"4563\">month 60<\/strong>, you have a net flow of approximately: <strong data-start=\"4597\" data-end=\"4634\">+$80,000 &#8211; $6,310.98 = +$73,689.02<\/strong><\/p><hr data-start=\"4636\" data-end=\"4639\"><h3 data-start=\"4641\" data-end=\"4681\">C) Annual cash flow (&#8220;management&#8221; view)<\/h3><p data-start=\"4682\" data-end=\"4711\">Each year (1 to 5), you have :<\/p><ul data-start=\"4712\" data-end=\"4889\"><li data-start=\"4712\" data-end=\"4762\"><p data-start=\"4714\" data-end=\"4762\">Annual payments: $2,498.48 \u00d7 12 \u2248 <strong data-start=\"4750\" data-end=\"4762\">$29,982<\/strong><\/p><\/li><li data-start=\"4763\" data-end=\"4789\"><p data-start=\"4765\" data-end=\"4789\">Fuel: <strong data-start=\"4777\" data-end=\"4789\">$27,750<\/strong><\/p><\/li><li data-start=\"4790\" data-end=\"4819\"><p data-start=\"4792\" data-end=\"4819\">Other costs: <strong data-start=\"4807\" data-end=\"4819\">$18,000<\/strong><\/p><\/li><li data-start=\"4820\" data-end=\"4852\"><p data-start=\"4822\" data-end=\"4852\">Annual total \u2248 <strong data-start=\"4837\" data-end=\"4852\">$75,732\/year<\/strong><\/p><\/li><li data-start=\"4853\" data-end=\"4889\"><p data-start=\"4855\" data-end=\"4889\">Year 5: + <strong data-start=\"4867\" data-end=\"4879\">$80,000<\/strong> (resale)<\/p><\/li><\/ul><hr data-start=\"4891\" data-end=\"4894\"><h3 data-start=\"4896\" data-end=\"4940\">D) Verification: net cash cost over 5 years<\/h3><ul data-start=\"4941\" data-end=\"5195\"><li data-start=\"4941\" data-end=\"5081\"><p data-start=\"4943\" data-end=\"5081\">Total cash out = <strong data-start=\"4961\" data-end=\"5026\">down payment + 60 payments + (fuel + other costs \u00d7 5)<\/strong><br data-start=\"5026\" data-end=\"5029\">= $21,750 + $149,908.55 + $228,750<br data-start=\"5060\" data-end=\"5063\">= <strong data-start=\"5065\" data-end=\"5081\">$400,408.55<\/strong><\/p><\/li><li data-start=\"5082\" data-end=\"5113\"><p data-start=\"5084\" data-end=\"5113\">Resale entry = <strong data-start=\"5101\" data-end=\"5113\">$80,000<\/strong><\/p><\/li><li data-start=\"5114\" data-end=\"5195\"><p data-start=\"5116\" data-end=\"5195\">\u2705 5 <strong data-start=\"5118\" data-end=\"5141\">-year net cash cost<\/strong> = <strong data-start=\"5144\" data-end=\"5160\">$320,408.55<\/strong><br data-start=\"5160\" data-end=\"5163\">(= exactly your 5-year net TCO)<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3311a9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e3311a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5937dbd e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5937dbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-626fb7b elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"626fb7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Download our free TCO calculator!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2717fe3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2717fe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Keep your free TCO calculator on your device for life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4856dc elementor-widget elementor-widget-off-canvas\" data-id=\"f4856dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"off-canvas.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div id=\"off-canvas-f4856dc\" class=\"e-off-canvas\" role=\"dialog\" aria-hidden=\"true\" aria-label=\"Off-Canvas-Calculator-en-camionshino\" aria-modal=\"true\" inert=\"\" data-delay-child-handlers=\"true\">\n\t\t\t<div class=\"e-off-canvas__overlay\"><\/div>\n\t\t\t<div class=\"e-off-canvas__main\">\n\t\t\t\t<div class=\"e-off-canvas__content\">\n\t\t\t\t\t<div class=\"elementor-element elementor-element-a967f86 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"a967f86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4eb0082 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4eb0082\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"#elementor-action%3Aaction%3Doff_canvas%3Atoggle%26settings%3DeyJpZCI6ImY0ODU2ZGMiLCJkaXNwbGF5TW9kZSI6InRvZ2dsZSJ9\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0e0e88 elementor-widget elementor-widget-heading\" data-id=\"a0e0e88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Download our TCO calculator <br>(Total Cost of Ownership)  <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-929fb8f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"929fb8f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a237a12 e-grid e-con-full wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"a237a12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce94dbf elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"ce94dbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" id=\"Calculateur_TCO\" name=\"New form\" aria-label=\"New form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"16942\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"ce94dbf\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-prenom elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-prenom\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tYour first name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[prenom]\" id=\"form-field-prenom\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"First name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-nom elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-nom\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tYour surname\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[nom]\" id=\"form-field-nom\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEnter your e-mail address\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"E-mail\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_1e5010d elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_1e5010d\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEnter your phone number\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_1e5010d]\" id=\"form-field-field_1e5010d\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Phone\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_a6f8145 elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_a6f8145\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LdMefUqAAAAANd6aqUmYp-GEvGlVGWZLwAxtypT\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-download\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 136V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zm76.45 211.36l-96.42 95.7c-6.65 6.61-17.39 6.61-24.04 0l-96.42-95.7C73.42 337.29 80.54 320 94.82 320H160v-80c0-8.84 7.16-16 16-16h32c8.84 0 16 7.16 16 16v80h65.18c14.28 0 21.4 17.29 11.27 27.36zM377 105L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1c0-6.3-2.5-12.4-7-16.9z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the calculator<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bbc4a6 elementor-widget elementor-widget-image\" data-id=\"5bbc4a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"782\" height=\"1020\" src=\"https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min.jpeg\" class=\"attachment-full size-full wp-image-17003\" alt=\"Hino L8 Truck TCO Calculator - Hino Trucks, Hino Quebec, Hino South Shore and Hino Drummondville-min\" srcset=\"https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min.jpeg 782w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-230x300.jpeg 230w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-768x1002.jpeg 768w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-600x783.jpeg 600w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-41x54.jpeg 41w\" sizes=\"(max-width: 782px) 100vw, 782px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Overview of the TCO calculator you're about to get<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cd87d9 elementor-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"0cd87d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Doff_canvas%3Aopen%26settings%3DeyJpZCI6ImY0ODU2ZGMiLCJkaXNwbGF5TW9kZSI6Im9wZW4ifQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-download\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 136V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zm76.45 211.36l-96.42 95.7c-6.65 6.61-17.39 6.61-24.04 0l-96.42-95.7C73.42 337.29 80.54 320 94.82 320H160v-80c0-8.84 7.16-16 16-16h32c8.84 0 16 7.16 16 16v80h65.18c14.28 0 21.4 17.29 11.27 27.36zM377 105L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1c0-6.3-2.5-12.4-7-16.9z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55e6a1b elementor-widget elementor-widget-heading\" data-id=\"55e6a1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Or calculate your TCO right now here<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4e277a elementor-widget-mobile__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"b4e277a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1890\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1890\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> Online TCO calculator (click to view) <\/h4><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1890\" class=\"elementor-element elementor-element-889821d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"889821d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1db34c4 elementor-widget elementor-widget-html\" data-id=\"1db34c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"tcoCalcV1\" class=\"tcoCalc\">\n  <style>\n    \/* SCOPED styles: nothing touches global body\/html\/Elementor *\/\n    #tcoCalcV1{\n      --bg:#ffffff;\n      --panel:#ffffff;\n      --line:#ffffff;\n      --text:#111111;\n      --muted:#DE3333;\n      --accent:#DE3333;\n      --good:#22c55e;\n      --warn:#f59e0b;\n      --danger:#ef4444;\n\n      font-family: system-ui,-apple-system,Segoe UI,Roboto,Verdana,sans-serif;\n      color:var(--text);\n      background: transparent;\n      max-width: 1100px;\n      margin: 0 auto;\n    }\n    #tcoCalcV1 .card{\n      background: #132443;\n      border:1px solid var(--line);\n      border-radius:16px;\n      overflow:hidden;\n      box-shadow: 0 10px 30px rgba(0,0,0,.18);\n    }\n    #tcoCalcV1 .head{\n      padding:14px 16px;\n      border-bottom:1px solid var(--line);\n      display:flex; align-items:flex-start; justify-content:space-between; gap:12px;\n    }\n    #tcoCalcV1 .title{ color: #ffffff; font-weight:800; font-size:25px; letter-spacing:.2px;}\n    #tcoCalcV1 .sub{color:var(--muted); font-size:13px;font-weight:600; margin-top:4px; line-height:1.45;}\n    #tcoCalcV1 .pill{\n      background: rgba(17,28,51,.9);\n      border:1px solid var(--line);\n      padding:6px 10px;\n      border-radius:999px;\n      font-size:12px;\n      color:var(--muted);\n      white-space:nowrap;\n      height: fit-content;\n    }\n    #tcoCalcV1 .body{padding:16px;}\n    #tcoCalcV1 .grid{display:grid; grid-template-columns: 1.15fr .85fr; gap:10px;}\n    @media (max-width: 980px){ #tcoCalcV1 .grid{grid-template-columns:1fr;} }\n\n    #tcoCalcV1 .form{\n      display:grid;\n      grid-template-columns: 1fr 1fr;\n      gap:12px 14px;\n    }\n    @media (max-width: 680px){ #tcoCalcV1 .form{grid-template-columns:1fr;} }\n    #tcoCalcV1 label{display:block; font-size:13px;font-weight:600; color:var(--muted); margin:0 0 6px;}\n    #tcoCalcV1 .field{\n      background: #ffffff;\n      border:1px solid var(--line);\n      border-radius:12px;\n      padding:10px 10px;\n    }\n    #tcoCalcV1 input, #tcoCalcV1 select{\n      width:100%;\n      border:none;\n      outline:none;\n      background:transparent;\n      color:#111111;\n      font-size:16px;\n    }\n    #tcoCalcV1 .row2{grid-column:1 \/ -1;}\n    #tcoCalcV1 .sectionTag{\n      display:inline-block;\n      margin-top:6px;\n      font-size:12px;\n      color:#ffffff;\n      background: #de3333;\n      border:1px solid var(--line);\n      padding:6px 10px;\n      border-radius:999px;\n    }\n    #tcoCalcV1 .actions{display:flex; gap:10px; flex-wrap:wrap; align-items:center; margin-top:12px;}\n    #tcoCalcV1 button{\n      appearance:none; border:none; cursor:pointer;\n      padding:15px 25px; border-radius:12px;\n      font-weight:800; font-size:18px;\n    }\n    #tcoCalcV1 .btn-primary{background: linear-gradient(180deg, var(--accent), #de3333); color:#ffffff;}\n    #tcoCalcV1 .btn-ghost{background: transparent; border:1px solid var(--line); color:#ffffff;}\n    #tcoCalcV1 .note{font-size:12px; color:var(--muted); margin-top:10px; line-height:1.45;}\n\n    \/* Results *\/\n    #tcoCalcV1 .kpis{display:flex-wrap; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:12px;}\n    @media (max-width: 520px){ #tcoCalcV1 .kpis{grid-template-columns:1fr;} }\n    #tcoCalcV1 .kpi{\n      border:1px solid var(--line);\n      border-radius:14px;\n      padding:12px;\n      background: var(--panel);\n    }\n    #tcoCalcV1 .kpi .lab{font-size:17px;font-weight:600; color:#ffffff; margin-bottom:6px;background-color:#de3333}\n    #tcoCalcV1 .kpi .val{font-size:22px; font-weight:900; letter-spacing:.2px;}\n    #tcoCalcV1 .kpi .hint{font-size:11px; color:#111111; margin-top:0px;}\n\n    \/* \u2705 BREAKDOWN flex + horizontal scroll (mobile), wrap (desktop) *\/\n#tcoCalcV1 .breakdown{\n  border-top:1px solid var(--line);\n  margin-top:12px;\n  padding-top:12px;\n  display:flex;\n  gap:8px;\n\n  \/* Mobile first: horizontal scroll *\/\n  flex-wrap:nowrap;\n  overflow-x:auto;\n  overflow-y:hidden;\n  -webkit-overflow-scrolling:touch;\n\n  \/* small padding so the scrollbar doesn\u2019t stick *\/\n  padding-bottom:8px;\n}\n\n\/* Cards: fixed width => smooth scroll *\/\n#tcoCalcV1 .breakdown .item{\n  flex:0 0 150px; \/* card width (adjust: 280\u2013360) *\/\n  min-width:150px;\n\n  display:flex;\n  align-items:flex-start;\n  justify-content:space-between;\n  gap:12px;\n  padding:10px 12px;\n  border:1px solid var(--line);\n  border-radius:12px;\n  background: var(--panel);\n  flex-wrap: wrap;\n}\n\n\/* Right column stays compact *\/\n#tcoCalcV1 .breakdown .right{\n  text-align:right;\n  min-width:10px;\n  font-weight:900;\n}\n\n\/* \u2705 Desktop: wrap into 2 columns (more readable), scroll disabled *\/\n@media (min-width: 980px){\n  #tcoCalcV1 .breakdown{\n    flex-wrap:wrap;\n    overflow-x:visible;\n    padding-bottom:0;\n  }\n  #tcoCalcV1 .breakdown .item{\n    flex:1 1 calc(50% - 8px); \/* 2 columns *\/\n    min-width: 20px \/* prevents too small *\/\n  }\n}\n\n\/* (Optional) more subtle scrollbar *\/\n#tcoCalcV1 .breakdown::-webkit-scrollbar{ height:10px; }\n#tcoCalcV1 .breakdown::-webkit-scrollbar-thumb{\n  background: #de3333;\n  border-radius: 999px;\n}\n#tcoCalcV1 .breakdown::-webkit-scrollbar-track{\n  background: #efefef;\n  border-radius: 999px;\n}\n\n    #tcoCalcV1 .item b{font-size:13px;}\n    #tcoCalcV1 .item .small{font-size:12px; color:#111111; margin-top:3px;}\n    #tcoCalcV1 .right{text-align:right; min-width:160px; font-weight:900;}\n    #tcoCalcV1 .warn{color:var(--warn); font-size:12px; margin-top:10px; line-height:1.45; display:none;}\n    #tcoCalcV1 .error{color:var(--danger); font-size:12px; margin-top:10px; line-height:1.45; display:none;}\n\n    #tcoCalcV1 .toggleRow{\n      display:flex; gap:10px; flex-wrap:wrap; align-items:center;\n      border:1px dashed var(--line);\n      border-radius:12px;\n      padding:10px 12px;\n      background: rgba(11,19,38,.35);\n    }\n    #tcoCalcV1 .toggleRow input[type=\"checkbox\"]{width:auto; margin:0 6px 0 0;}\n    #tcoCalcV1 .toggleRow span{font-size:13px; color:#ffffff;}\n    #tcoCalcV1 .mutedInline{font-size:12px; color:var(--muted);}\n    #tcoCalcV1 .hidden{display:none !important;}\n  <\/style>\n\n  <div class=\"grid\">\n    <!-- FORM -->\n    <div class=\"card\">\n      <div class=\"head\">\n        <div>\n          <h3 class=\"title\">Hino Truck TCO Calculator<\/h3>\n          <div class=\"sub\">Outputs: <b>Annual TCO<\/b> + <b>TCO per km<\/b> (with GST\/QST, tires and downtime options)<\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"body\">\n        <div class=\"form\">\n          <div>\n            <label>Purchase price (before taxes) \u2014 $<\/label>\n            <div class=\"field\"><input data-f=\"purchase\" type=\"number\" step=\"1\" value=\"145000\"><\/div>\n          <\/div>\n          <div>\n            <label>Resale price (end of period) \u2014 $<\/label>\n            <div class=\"field\"><input data-f=\"resale\" type=\"number\" step=\"1\" value=\"80000\"><\/div>\n          <\/div>\n\n          <div>\n            <label>Analysis period \u2014 years<\/label>\n            <div class=\"field\"><input data-f=\"years\" type=\"number\" step=\"0.5\" value=\"5\"><\/div>\n          <\/div>\n          <div>\n            <label>Annual mileage \u2014 km\/year<\/label>\n            <div class=\"field\"><input data-f=\"kmYear\" type=\"number\" step=\"100\" value=\"60000\"><\/div>\n          <\/div>\n\n          <div>\n            <label>Fuel economy \u2014 L\/100 km<\/label>\n            <div class=\"field\"><input data-f=\"cons\" type=\"number\" step=\"0.1\" value=\"25\"><\/div>\n          <\/div>\n          <div>\n            <label>Diesel price \u2014 $\/L<\/label>\n            <div class=\"field\"><input data-f=\"diesel\" type=\"number\" step=\"0.01\" value=\"1.85\"><\/div>\n          <\/div>\n\n          <div class=\"row2\">\n            <label>Other annual costs \u2014 maintenance + insurance + registration ($\/year)<\/label>\n            <div class=\"field\"><input data-f=\"otherAnnual\" type=\"number\" step=\"50\" value=\"18000\"><\/div>\n          <\/div>\n\n          <div class=\"row2\">\n            <span class=\"sectionTag\">Options<\/span>\n          <\/div>\n\n          <div class=\"row2 toggleRow\">\n            <label style=\"margin:0;\">\n              <input data-f=\"useTaxes\" type=\"checkbox\" checked>\n              <span><b>Include GST\/QST<\/b><\/span>\n            <\/label>\n            <span class=\"mutedInline\">Default: GST 5% + QST 9.975%<\/span>\n          <\/div>\n\n          <div data-block=\"taxes\" class=\"row2\">\n            <div class=\"form\" style=\"margin-top:10px;\">\n              <div>\n                <label>GST \u2014 %<\/label>\n                <div class=\"field\"><input data-f=\"gst\" type=\"number\" step=\"0.001\" value=\"5\"><\/div>\n              <\/div>\n              <div>\n                <label>QST \u2014 %<\/label>\n                <div class=\"field\"><input data-f=\"qst\" type=\"number\" step=\"0.001\" value=\"9.975\"><\/div>\n              <\/div>\n\n              <div>\n                <label>Taxes paid\u2026<\/label>\n                <div class=\"field\">\n                  <select data-f=\"taxPayMode\">\n                    <option value=\"cash\" selected>Cash (upfront)<\/option>\n                    <option value=\"finance\">Financed (added to the loan)<\/option>\n                  <\/select>\n                <\/div>\n              <\/div>\n\n              <div>\n                <label>Down payment applied to\u2026<\/label>\n                <div class=\"field\">\n                  <select data-f=\"downBase\">\n                    <option value=\"pretax\" selected>Price before taxes<\/option>\n                    <option value=\"withtax\">Price + taxes<\/option>\n                  <\/select>\n                <\/div>\n              <\/div>\n\n              <div class=\"row2 mutedInline\">\n                Taxes are calculated on the pre-tax price (GST + QST). *(Standard Quebec model.)*\n              <\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"row2 toggleRow\" style=\"margin-top:10px;\">\n            <label style=\"margin:0;\">\n              <input data-f=\"useTires\" type=\"checkbox\">\n              <span><b>Include tires<\/b><\/span>\n            <\/label>\n            <span class=\"mutedInline\">Annual budget or per-km calculation<\/span>\n          <\/div>\n\n          <div data-block=\"tires\" class=\"row2 hidden\">\n            <div class=\"form\" style=\"margin-top:10px;\">\n              <div>\n                <label>Annual tire budget ($\/year)<\/label>\n                <div class=\"field\"><input data-f=\"tiresAnnual\" type=\"number\" step=\"50\" value=\"0\"><\/div>\n              <\/div>\n              <div>\n                <label>OR tire set cost ($)<\/label>\n                <div class=\"field\"><input data-f=\"tireSetCost\" type=\"number\" step=\"50\" value=\"0\"><\/div>\n              <\/div>\n              <div>\n                <label>Estimated tire life (km)<\/label>\n                <div class=\"field\"><input data-f=\"tireLifeKm\" type=\"number\" step=\"1000\" value=\"0\"><\/div>\n              <\/div>\n              <div class=\"mutedInline\" style=\"grid-column:1\/-1;\">\n                If \u201cAnnual tire budget\u201d &gt; 0 \u2192 used first. Otherwise: (set cost \u00f7 life) \u00d7 km\/year.\n              <\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"row2 toggleRow\" style=\"margin-top:10px;\">\n            <label style=\"margin:0;\">\n              <input data-f=\"useDowntime\" type=\"checkbox\">\n              <span><b>Include downtime<\/b> (losses \/ rental \/ towing)<\/span>\n            <\/label>\n            <span class=\"mutedInline\">Days\/year \u00d7 cost\/day or annual budget<\/span>\n          <\/div>\n\n          <div data-block=\"downtime\" class=\"row2 hidden\">\n            <div class=\"form\" style=\"margin-top:10px;\">\n              <div>\n                <label>Downtime \u2014 annual budget ($\/year)<\/label>\n                <div class=\"field\"><input data-f=\"downAnnual\" type=\"number\" step=\"100\" value=\"0\"><\/div>\n              <\/div>\n              <div>\n                <label>OR downtime days per year (days\/year)<\/label>\n                <div class=\"field\"><input data-f=\"downDays\" type=\"number\" step=\"0.5\" value=\"0\"><\/div>\n              <\/div>\n              <div>\n                <label>Cost per downtime day ($\/day)<\/label>\n                <div class=\"field\"><input data-f=\"downCostDay\" type=\"number\" step=\"50\" value=\"0\"><\/div>\n              <\/div>\n              <div class=\"mutedInline\" style=\"grid-column:1\/-1;\">\n                If \u201cannual budget\u201d &gt; 0 \u2192 used first. Otherwise: days\/year \u00d7 cost\/day.\n              <\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"row2\">\n            <span class=\"sectionTag\">Financing (optional)<\/span>\n          <\/div>\n\n          <div>\n            <label>Annual interest rate (APR %) <\/label>\n            <div class=\"field\"><input data-f=\"apr\" type=\"number\" step=\"0.01\" value=\"7.99\"><\/div>\n          <\/div>\n          <div>\n            <label>Loan term (months)<\/label>\n            <div class=\"field\"><input data-f=\"termMonths\" type=\"number\" step=\"1\" value=\"60\"><\/div>\n          <\/div>\n\n          <div>\n            <label>Down payment<\/label>\n            <div class=\"field\">\n              <select data-f=\"downType\">\n                <option value=\"percent\" selected>Percentage (%)<\/option>\n                <option value=\"amount\">Amount ($)<\/option>\n              <\/select>\n            <\/div>\n          <\/div>\n          <div>\n            <label>Down payment value<\/label>\n            <div class=\"field\"><input data-f=\"downValue\" type=\"number\" step=\"0.01\" value=\"15\"><\/div>\n          <\/div>\n\n          <div class=\"actions row2\">\n            <button class=\"btn-primary\" type=\"button\" data-act=\"calc\">Calculate<\/button>\n            <button class=\"btn-ghost\" type=\"button\" data-act=\"reset\">Reset<\/button>\n            <div class=\"pill\">Auto-calculation enabled<\/div>\n          <\/div>\n\n          <div class=\"note row2\">\n            <b>TCO formula (annual)<\/b> = Depreciation + Fuel + Other annual costs + Tires + Downtime + Interest (averaged over the period) + Taxes (if paid cash, amortized over the period; if financed, included via the loan).\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- RESULTS -->\n    <div class=\"card\">\n      <div class=\"head\">\n        <div>\n          <div class=\"title\">Results<\/div>\n          <div class=\"sub\">Annual TCO \u2022 TCO per km \u2022 monthly cashflow (indicative)<\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"body\">\n        <div class=\"kpis\">\n          <div class=\"kpi\">\n            <div class=\"lab\">Annual TCO<\/div>\n            <div class=\"val\" data-out=\"tcoAnnual\">$\u2014<\/div>\n            <div class=\"hint\" data-out=\"tcoAnnualHint\">\u2014<\/div>\n          <\/div>\n          <div class=\"kpi\">\n            <div class=\"lab\">TCO per km<\/div>\n            <div class=\"val\" data-out=\"tcoPerKm\">$\u2014<\/div>\n            <div class=\"hint\" data-out=\"tcoPerKmHint\">\u2014<\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"breakdown\">\n          <div class=\"item\">\n            <div><b>Depreciation (annual)<\/b><div class=\"small\">(purchase \u2212 resale) \u00f7 years<\/div><\/div>\n            <div class=\"right\" data-out=\"depAnnual\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Fuel (annual)<\/b><div class=\"small\">km\/year \u00d7 (L\/100 \u00f7 100) \u00d7 $\/L<\/div><\/div>\n            <div class=\"right\" data-out=\"fuelAnnual\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Taxes (annual)<\/b><div class=\"small\">if GST\/QST paid cash: (taxes \u00f7 years). If financed: 0 here.<\/div><\/div>\n            <div class=\"right\" data-out=\"taxAnnual\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Tires (annual)<\/b><div class=\"small\">annual budget or per-km calculation<\/div><\/div>\n            <div class=\"right\" data-out=\"tiresAnnualOut\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Downtime (annual)<\/b><div class=\"small\">annual budget or days \u00d7 cost\/day<\/div><\/div>\n            <div class=\"right\" data-out=\"downAnnualOut\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Other costs (annual)<\/b><div class=\"small\">maintenance + insurance + registration<\/div><\/div>\n            <div class=\"right\" data-out=\"otherAnnualOut\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Interest (annual average)<\/b><div class=\"small\">interest paid during the period \u00f7 years<\/div><\/div>\n            <div class=\"right\" data-out=\"interestAnnual\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Monthly payment (loan)<\/b><div class=\"small\">includes taxes if \u201ctaxes financed\u201d<\/div><\/div>\n            <div class=\"right\" data-out=\"paymentMonthly\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Recurring monthly cashflow (indicative)<\/b><div class=\"small\">payment + (fuel + annual costs)\/12<\/div><\/div>\n            <div class=\"right\" data-out=\"cashflowMonthly\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Net cost over the period<\/b><div class=\"small\">annual TCO \u00d7 years<\/div><\/div>\n            <div class=\"right\" data-out=\"netPeriod\">$\u2014<\/div>\n          <\/div>\n\n          <div class=\"item\">\n            <div><b>Day 0 (one-time outflow)<\/b><div class=\"small\">down payment + taxes paid cash (if enabled)<\/div><\/div>\n            <div class=\"right\" data-out=\"upfront\">$\u2014<\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"warn\" data-out=\"warn\"><\/div>\n        <div class=\"error\" data-out=\"error\"><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <script>\n    (function(){\n      const root = document.getElementById(\"tcoCalcV1\");\n      if(!root) return;\n\n      const q = (sel) => root.querySelector(sel);\n      const qa = (sel) => Array.from(root.querySelectorAll(sel));\n\n      const get = (key) => q(`[data-f=\"${key}\"]`);\n      const out = (key) => q(`[data-out=\"${key}\"]`);\n\n      const fmtCAD0 = new Intl.NumberFormat(\"fr-CA\", { style:\"currency\", currency:\"CAD\", maximumFractionDigits:0 });\n      const fmtCAD2 = new Intl.NumberFormat(\"fr-CA\", { style:\"currency\", currency:\"CAD\", minimumFractionDigits:2, maximumFractionDigits:2 });\n      const fmtNum2 = new Intl.NumberFormat(\"fr-CA\", { minimumFractionDigits:2, maximumFractionDigits:2 });\n\n      function n(v){ const x = Number(v); return Number.isFinite(x) ? x : NaN; }\n\n      function amortization(principal, aprPercent, termMonths, monthsToSim){\n        if(principal <= 0 || termMonths <= 0 || monthsToSim <= 0) return { payment:0, totalInterest:0 };\n        const r = (aprPercent\/100)\/12;\n        let payment = 0;\n\n        if(r === 0) payment = principal\/termMonths;\n        else payment = principal * r \/ (1 - Math.pow(1+r, -termMonths));\n\n        let balance = principal;\n        let totalInterest = 0;\n\n        for(let m=1; m<=monthsToSim; m++){\n          const interest = balance * r;\n          let principalPaid = payment - interest;\n          if(principalPaid < 0) principalPaid = 0;\n          balance -= principalPaid;\n          totalInterest += interest;\n          if(balance <= 0){ balance = 0; break; }\n        }\n        return { payment, totalInterest };\n      }\n\n      function downPayment(purchaseBeforeTax, purchaseWithTax){\n        const downType = get(\"downType\").value;\n        const downValue = n(get(\"downValue\").value);\n        const base = get(\"downBase\").value; \/\/ pretax \/ withtax\n        const baseAmount = (base === \"withtax\") ? purchaseWithTax : purchaseBeforeTax;\n\n        if(!Number.isFinite(downValue) || downValue < 0) return 0;\n\n        if(downType === \"amount\"){\n          return Math.min(downValue, baseAmount);\n        }\n        return Math.min(baseAmount * (downValue\/100), baseAmount);\n      }\n\n      function taxesAmount(purchase){\n        const gst = n(get(\"gst\").value) || 0;\n        const qst = n(get(\"qst\").value) || 0;\n        \/\/ QC model: GST on price; QST on price excluding GST\n        return purchase * (gst\/100) + purchase * (qst\/100);\n      }\n\n      function calcTiresAnnual(kmYear){\n        if(!get(\"useTires\").checked) return 0;\n        const annual = n(get(\"tiresAnnual\").value) || 0;\n        if(annual > 0) return annual;\n\n        const setCost = n(get(\"tireSetCost\").value) || 0;\n        const lifeKm = n(get(\"tireLifeKm\").value) || 0;\n        if(setCost > 0 && lifeKm > 0){\n          return (setCost \/ lifeKm) * kmYear;\n        }\n        return 0;\n      }\n\n      function calcDowntimeAnnual(){\n        if(!get(\"useDowntime\").checked) return 0;\n        const annual = n(get(\"downAnnual\").value) || 0;\n        if(annual > 0) return annual;\n\n        const days = n(get(\"downDays\").value) || 0;\n        const costDay = n(get(\"downCostDay\").value) || 0;\n        if(days > 0 && costDay > 0){\n          return days * costDay;\n        }\n        return 0;\n      }\n\n      function toggleBlocks(){\n        q('[data-block=\"taxes\"]').classList.toggle(\"hidden\", !get(\"useTaxes\").checked);\n        q('[data-block=\"tires\"]').classList.toggle(\"hidden\", !get(\"useTires\").checked);\n        q('[data-block=\"downtime\"]').classList.toggle(\"hidden\", !get(\"useDowntime\").checked);\n      }\n\n      function showMsg(type, msg){\n        out(\"warn\").style.display = \"none\";\n        out(\"error\").style.display = \"none\";\n        if(!msg) return;\n        const el = out(type);\n        el.textContent = msg;\n        el.style.display = \"block\";\n      }\n\n      function render(){\n        toggleBlocks();\n        showMsg(\"warn\", \"\");\n        showMsg(\"error\", \"\");\n\n        const purchase = n(get(\"purchase\").value);\n        const resale = n(get(\"resale\").value);\n        const years = n(get(\"years\").value);\n        const kmYear = n(get(\"kmYear\").value);\n        const cons = n(get(\"cons\").value);\n        const diesel = n(get(\"diesel\").value);\n        const otherAnnual = n(get(\"otherAnnual\").value);\n        const apr = n(get(\"apr\").value);\n        const termMonths = Math.floor(n(get(\"termMonths\").value));\n\n        const problems = [];\n        if(!Number.isFinite(purchase) || purchase <= 0) problems.push(\"Invalid purchase price.\");\n        if(!Number.isFinite(resale) || resale < 0) problems.push(\"Invalid resale value.\");\n        if(!Number.isFinite(years) || years <= 0) problems.push(\"Invalid period.\");\n        if(!Number.isFinite(kmYear) || kmYear <= 0) problems.push(\"Invalid km\/year.\");\n        if(!Number.isFinite(cons) || cons <= 0) problems.push(\"Invalid fuel economy.\");\n        if(!Number.isFinite(diesel) || diesel <= 0) problems.push(\"Invalid diesel price.\");\n        if(!Number.isFinite(otherAnnual) || otherAnnual < 0) problems.push(\"Invalid other costs.\");\n        if(problems.length){ showMsg(\"error\", problems.join(\" \")); return; }\n\n        if(resale > purchase){\n          showMsg(\"warn\", \"\u26a0\ufe0f Resale value is higher than purchase price: negative depreciation (rare).\");\n        }\n\n        \/\/ Taxes\n        const useTaxes = get(\"useTaxes\").checked;\n        const taxPayMode = get(\"taxPayMode\").value; \/\/ cash \/ finance\n        const taxAmt = useTaxes ? taxesAmount(purchase) : 0;\n\n        const purchaseWithTax = purchase + taxAmt;\n\n        \/\/ Down payment\n        const down = downPayment(purchase, purchaseWithTax);\n\n        \/\/ Financing principal\n        const financedBase = (get(\"downBase\").value === \"withtax\") ? (purchaseWithTax - down) : (purchase - down);\n        const financed = Math.max(0, financedBase + (useTaxes && taxPayMode === \"finance\" && get(\"downBase\").value === \"pretax\" ? taxAmt : 0));\n        \/\/ Note: if downBase=withtax, taxes are already included in purchaseWithTax.\n\n        \/\/ Depreciation (taxes not included in depreciation; cash taxes amortized separately)\n        const depAnnual = (purchase - resale) \/ years;\n\n        \/\/ Fuel\n        const litersYear = kmYear * (cons\/100);\n        const fuelAnnual = litersYear * diesel;\n\n        \/\/ Tires & downtime\n        const tiresAnnual = calcTiresAnnual(kmYear);\n        const downAnnual = calcDowntimeAnnual();\n\n        \/\/ Financing interest over period (years)\n        const periodMonths = Math.round(years * 12);\n        const monthsToSim = Math.min(termMonths, periodMonths);\n\n        let payment = 0, totalInterest = 0;\n        if(Number.isFinite(apr) && apr >= 0 && termMonths > 0 && financed > 0){\n          const am = amortization(financed, apr, termMonths, monthsToSim);\n          payment = am.payment;\n          totalInterest = am.totalInterest;\n        }\n        const interestAnnual = totalInterest \/ years;\n\n        \/\/ Taxes annual handling:\n        \/\/ - if taxes paid cash: amortize taxes across years (taxAmt\/years)\n        \/\/ - if taxes financed: already embedded via higher payment\/interest; taxAnnual=0 to avoid double counting\n        const taxAnnual = (useTaxes && taxPayMode === \"cash\") ? (taxAmt \/ years) : 0;\n\n        const tcoAnnual = depAnnual + fuelAnnual + otherAnnual + tiresAnnual + downAnnual + interestAnnual + taxAnnual;\n        const tcoPerKm = tcoAnnual \/ kmYear;\n        const netPeriod = tcoAnnual * years;\n\n        \/\/ Monthly cashflow indicative\n        const annualOps = fuelAnnual + otherAnnual + tiresAnnual + downAnnual;\n        const cashflowMonthly = payment + (annualOps\/12);\n\n        \/\/ Upfront\n        const upfront = down + ((useTaxes && taxPayMode === \"cash\") ? taxAmt : 0);\n\n        \/\/ Output\n        out(\"tcoAnnual\").textContent = fmtCAD0.format(tcoAnnual);\n        out(\"tcoAnnualHint\").textContent = `${years} years \u2022 ${fmtNum2.format(kmYear)} km\/year`;\n        out(\"tcoPerKm\").textContent = fmtCAD2.format(tcoPerKm);\n        out(\"tcoPerKmHint\").textContent = `Fuel economy: ${fmtNum2.format(cons)} L\/100 \u2022 Diesel: ${fmtNum2.format(diesel)} $\/L`;\n\n        out(\"depAnnual\").textContent = fmtCAD0.format(depAnnual);\n        out(\"fuelAnnual\").textContent = fmtCAD0.format(fuelAnnual);\n        out(\"taxAnnual\").textContent = fmtCAD0.format(taxAnnual);\n        out(\"tiresAnnualOut\").textContent = fmtCAD0.format(tiresAnnual);\n        out(\"downAnnualOut\").textContent = fmtCAD0.format(downAnnual);\n        out(\"otherAnnualOut\").textContent = fmtCAD0.format(otherAnnual);\n        out(\"interestAnnual\").textContent = fmtCAD0.format(interestAnnual);\n        out(\"paymentMonthly\").textContent = fmtCAD2.format(payment);\n        out(\"cashflowMonthly\").textContent = fmtCAD2.format(cashflowMonthly);\n        out(\"netPeriod\").textContent = fmtCAD0.format(netPeriod);\n        out(\"upfront\").textContent = fmtCAD0.format(upfront);\n\n        \/\/ Soft warning if analysis period != term\n        if(years*12 !== termMonths){\n          const msg = `\u2139\ufe0f The period (${years} years) and the term (${termMonths} months) differ. Interest is simulated over ${monthsToSim} months (analysis period).`;\n          showMsg(\"warn\", msg);\n        }\n      }\n\n      \/\/ Events\n      qa('input,select').forEach(el => {\n        el.addEventListener(\"input\", render);\n        el.addEventListener(\"change\", render);\n      });\n\n      q('[data-act=\"calc\"]').addEventListener(\"click\", render);\n\n      q('[data-act=\"reset\"]').addEventListener(\"click\", function(){\n        get(\"purchase\").value = 145000;\n        get(\"resale\").value = 80000;\n        get(\"years\").value = 5;\n        get(\"kmYear\").value = 60000;\n        get(\"cons\").value = 25;\n        get(\"diesel\").value = 1.85;\n        get(\"otherAnnual\").value = 18000;\n\n        get(\"useTaxes\").checked = true;\n        get(\"gst\").value = 5;\n        get(\"qst\").value = 9.975;\n        get(\"taxPayMode\").value = \"cash\";\n        get(\"downBase\").value = \"pretax\";\n\n        get(\"useTires\").checked = false;\n        get(\"tiresAnnual\").value = 0;\n        get(\"tireSetCost\").value = 0;\n        get(\"tireLifeKm\").value = 0;\n\n        get(\"useDowntime\").checked = false;\n        get(\"downAnnual\").value = 0;\n        get(\"downDays\").value = 0;\n        get(\"downCostDay\").value = 0;\n\n        get(\"apr\").value = 7.99;\n        get(\"termMonths\").value = 60;\n        get(\"downType\").value = \"percent\";\n        get(\"downValue\").value = 15;\n\n        render();\n      });\n\n      \/\/ init\n      render();\n    })();\n  <\/script>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-350c566 elementor-widget elementor-widget-heading\" data-id=\"350c566\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"6_Summary_Table_TCO_of_the_Hino_L8\"><\/span>6) Summary (Table): TCO of the Hino L8<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df31159 elementor-widget elementor-widget-html\" data-id=\"df31159\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Hino L8 TCO (no overflow on the page) --><section class=\"tco-cashflow-wrap\"><style>.tco-cashflow-wrap{\n      font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;\n      line-height:1.5;\n      max-width:100%;\n      overflow:hidden; \/* Prevents any global overflow *\/\n    }\n\n    .tco-grid{display:grid;grid-template-columns:1fr;gap:16px}\n    @media(min-width:980px){.tco-grid{grid-template-columns:1fr 1fr}}\n\n    .tco-card{\n      border:1px solid #e5e7eb;border-radius:14px;padding:16px;background:#fff;\n      box-shadow:0 1px 2px rgba(0,0,0,.05);\n      max-width:100%;\n      overflow:hidden; \/* Prevents overflow inside the card *\/\n    }\n\n    .tco-card h2{margin:0 0 10px;font-size:18px}\n    .tco-note{margin:8px 0 0;color:#4b5563;font-size:13px}\n    .tco-badges{display:flex;flex-wrap:wrap;gap:8px;margin:6px 0 10px}\n    .badge{display:inline-flex;align-items:center;border:1px solid #dd3333;border-radius:999px;padding:4px 10px;font-size:12px;background:#dd3333}\n\n    \/* \u2705 SCROLL ONLY ON TABLES *\/\n    .table-scroll{\n      width:100%;\n      max-width:100%;\n      overflow-x:auto;\n      overflow-y:hidden;\n      -webkit-overflow-scrolling:touch;\n      white-space:nowrap;\n      border:1px solid #eef0f3;\n      border-radius:12px;\n      background:#fff;\n    }\n\n    \/* Subtle hint if horizontal scroll is available *\/\n    .scroll-hint{\n      display:none;\n      margin:6px 0 0;\n      font-size:12px;\n      color:#6b7280;\n    }\n    @media(max-width:979px){ .scroll-hint{display:block;} }\n\n    \/* Table can exceed wrapper => horizontal scroll *\/\n    table{\n      border-collapse:collapse;\n      width:max-content;  \/* Important: keep the table\u2019s natural width *\/\n      min-width:760px;    \/* Adjust based on the number of columns *\/\n    }\n\n    th,td{padding:10px 10px;border-top:1px solid #e5e7eb;vertical-align:top}\n    thead th{border-top:none;background:#f9fafb;font-weight:700;text-align:left}\n    .num{text-align:right;white-space:nowrap}\n    .total-row td{font-weight:800;background:#fcfcfd}\n    .muted{color:#6b7280}\n    .small{font-size:12px}\n\n    .kpi{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:10px 0 0}\n    .kpi div{border:1px dashed #dd3333;border-radius:12px;padding:10px;background:#fff}\n    .kpi .label{font-size:16;color:#fff;margin-bottom:2px; background:#dd3333}\n    .kpi .value{font-size:16px;font-weight:800}\n  <\/style><div class=\"tco-badges\"><span class=\"badge\"><strong>Hino L8<\/strong> \u2014 Example<\/span><span class=\"badge\">5 years<\/span><span class=\"badge\">60,000 km\/year<\/span><span class=\"badge\">Diesel $1.85\/L<\/span><span class=\"badge\">Fuel economy 25 L\/100<\/span><span class=\"badge\">Rate 7.99% (60 months)<\/span><span class=\"badge\">Down payment 15%<\/span><\/div><div class=\"tco-grid\"><!-- TCO --><article class=\"tco-card\"><h2><span class=\"ez-toc-section\" id=\"Table_1_Hino_L8_TCO_Total_Cost_of_Ownership_-_Summary\"><\/span>Table 1: Hino L8 TCO (Total Cost of Ownership) - Summary<span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"table-scroll\" role=\"region\" aria-label=\"TCO table (horizontal scroll)\" tabindex=\"0\"><table><thead><tr><th>Cost item<\/th><th class=\"num\">Annual ($)<\/th><th class=\"num\">Over 5 years ($)<\/th><th class=\"muted\">Assumption \/ detail<\/th><\/tr><\/thead><tbody><tr><td><strong>Depreciation<\/strong><\/td><td class=\"num\">13 000,00<\/td><td class=\"num\">65 000,00<\/td><td class=\"muted small\">(145 000 \u2212 80 000) \u00f7 5<\/td><\/tr><tr><td><strong>Fuel<\/strong><\/td><td class=\"num\">27 750,00<\/td><td class=\"num\">138 750,00<\/td><td class=\"muted small\">60,000 km\/year \u00d7 25 L\/100 \u00d7 $1.85\/L<\/td><\/tr><tr><td><strong>Other costs<\/strong> <br\/>(maintenance + insurance + registration)<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">90 000,00<\/td><td class=\"muted small\">Fixed annual budget<\/td><\/tr><tr><td><strong>Interest (financing)<\/strong><\/td><td class=\"num\">5 331,71<\/td><td class=\"num\">26 658,55<\/td><td class=\"muted small\">7.99% \/ 60 months on $123,250<\/td><\/tr><tr class=\"total-row\"><td><strong>Total TCO (net)<\/strong><\/td><td class=\"num\">64 081,71<\/td><td class=\"num\">320 408,55<\/td><td class=\"muted small\">After resale (included via depreciation)<\/td><\/tr><\/tbody><\/table><\/div><div class=\"scroll-hint\">On mobile: swipe left\/right to view all columns.<\/div><div class=\"kpi\"><div><div class=\"label\">TCO per km<\/div><div class=\"value\">\u2248 1,07 $\/km<\/div><div class=\"muted small\">64 081,71 \u00f7 60 000<\/div><\/div><div><div class=\"label\">Net cost over 5 years<\/div><div class=\"value\">320 408,55 $<\/div><div class=\"muted small\">64 081,71 \u00d7 5<\/div><\/div><\/div><\/article><!-- Cashflow --><article class=\"tco-card\"><h2><span class=\"ez-toc-section\" id=\"Table_2_Cash_Flow_OutflowsInflows_-_Monthly_for_the_Hino_L8\"><\/span>Table 2: Cash Flow (Outflows\/Inflows) - Monthly for the Hino L8<span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"table-scroll\" role=\"region\" aria-label=\"Cash flow table (horizontal scroll)\" tabindex=\"0\"><table><thead><tr><th>Item<\/th><th class=\"num\">Amount<\/th><th class=\"muted\">Detail<\/th><\/tr><\/thead><tbody><tr><td><strong>Down payment (15%)<\/strong><\/td><td class=\"num\">21 750,00 $<\/td><td class=\"muted small\">Paid on day 0<\/td><\/tr><tr><td><strong>Amount financed<\/strong><\/td><td class=\"num\">123 250,00 $<\/td><td class=\"muted small\">145 000 \u2212 21 750<\/td><\/tr><tr><td><strong>Monthly payment (financing)<\/strong><\/td><td class=\"num\">2 498,48 $\/month<\/td><td class=\"muted small\">7.99% \/ 60 months<\/td><\/tr><tr><td><strong>Fuel + other costs (monthly)<\/strong><\/td><td class=\"num\">3 812,50 $\/month<\/td><td class=\"muted small\">(27 750 + 18 000) \u00f7 12<\/td><\/tr><tr class=\"total-row\"><td><strong>Total recurring monthly outflow<\/strong><\/td><td class=\"num\">6 310,98 $\/month<\/td><td class=\"muted small\">2 498,48 + 3 812,50<\/td><\/tr><tr><td><strong>Resale (month 60)<\/strong><\/td><td class=\"num\">80 000,00 $<\/td><td class=\"muted small\">Inflow at the end of the term<\/td><\/tr><tr class=\"total-row\"><td><strong>Net cash flow in month 60<\/strong><\/td><td class=\"num\">+73 689,02 $<\/td><td class=\"muted small\">80 000 \u2212 6 310,98<\/td><\/tr><\/tbody><\/table><\/div><div class=\"scroll-hint\">On mobile: swipe left\/right to view all columns.<\/div><h3 style=\"margin:14px 0 8px;font-size:16px;\">Annual schedule (management view)<\/h3><div class=\"table-scroll\" role=\"region\" aria-label=\"Annual schedule (horizontal scroll)\" tabindex=\"0\"><table><thead><tr><th>Year<\/th><th class=\"num\">Financing payments<\/th><th class=\"num\">Fuel<\/th><th class=\"num\">Other costs<\/th><th class=\"num\">Total outflows<\/th><th class=\"num\">Resale inflow<\/th><th class=\"num\">Net cash flow<\/th><\/tr><\/thead><tbody><tr><td>0<\/td><td class=\"num\">0<\/td><td class=\"num\">0<\/td><td class=\"num\">0<\/td><td class=\"num\">21 750,00<\/td><td class=\"num\">0<\/td><td class=\"num\">-21 750,00<\/td><\/tr><tr><td>1<\/td><td class=\"num\">29 981,71<\/td><td class=\"num\">27 750,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">75 731,71<\/td><td class=\"num\">0<\/td><td class=\"num\">-73 511,71<\/td><\/tr><tr><td>2<\/td><td class=\"num\">29 981,71<\/td><td class=\"num\">27 750,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">75 731,71<\/td><td class=\"num\">0<\/td><td class=\"num\">-73 511,71<\/td><\/tr><tr><td>3<\/td><td class=\"num\">29 981,71<\/td><td class=\"num\">27 750,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">75 731,71<\/td><td class=\"num\">0<\/td><td class=\"num\">-75 731,71<\/td><\/tr><tr><td>4<\/td><td class=\"num\">29 981,71<\/td><td class=\"num\">27 750,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">75 731,71<\/td><td class=\"num\">0<\/td><td class=\"num\">-75 731,71<\/td><\/tr><tr><td>5<\/td><td class=\"num\">29 981,71<\/td><td class=\"num\">27 750,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">75 731,71<\/td><td class=\"num\">80 000,00<\/td><td class=\"num\">+4 268,29<\/td><\/tr><tr class=\"total-row\"><td><strong>Total (5 years)<\/strong><\/td><td class=\"num\"><strong>149 908,55<\/strong><\/td><td class=\"num\"><strong>138 750,00<\/strong><\/td><td class=\"num\"><strong>90 000,00<\/strong><\/td><td class=\"num\"><strong>400 408,55<\/strong><\/td><td class=\"num\"><strong>80 000,00<\/strong><\/td><td class=\"num\"><strong>-320 408,55<\/strong><\/td><\/tr><\/tbody><\/table><\/div><div class=\"scroll-hint\">On mobile: swipe left\/right to view all columns.<\/div><\/article><\/div><\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c7793c elementor-widget elementor-widget-text-editor\" data-id=\"5c7793c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"5202\" data-end=\"5278\"><span class=\"ez-toc-section\" id=\"7_The_levers_that_really_move_your_TCO_and_how_to_control_them\"><\/span>7) The levers that really move your TCO (and how to control them)<span class=\"ez-toc-section-end\"><\/span><\/h2><h3 data-start=\"5280\" data-end=\"5321\">1) Fuel consumption (L\/100): lever #1<\/h3><p data-start=\"5322\" data-end=\"5352\">With 60,000 km\/year and $1.85\/L :<\/p><ul data-start=\"5353\" data-end=\"5463\"><li data-start=\"5353\" data-end=\"5382\"><p data-start=\"5355\" data-end=\"5382\"><strong data-start=\"5355\" data-end=\"5382\">+1 L\/100 km = +600 L\/year<\/strong><\/p><\/li><li data-start=\"5383\" data-end=\"5429\"><p data-start=\"5385\" data-end=\"5429\"><strong data-start=\"5385\" data-end=\"5429\">Annual impact = 600 \u00d7 1.85 = $1,110\/year<\/strong><\/p><\/li><li data-start=\"5430\" data-end=\"5463\"><p data-start=\"5432\" data-end=\"5463\"><strong data-start=\"5432\" data-end=\"5463\">Impact over 5 years = +$5,550<\/strong><\/p><\/li><\/ul><p data-start=\"5465\" data-end=\"5550\">\ud83d\udc49 Conclusion: a difference of <strong data-start=\"5499\" data-end=\"5517\">23 vs 26 L\/100<\/strong> changes your TCO in a major way.<\/p><h3 data-start=\"5552\" data-end=\"5598\">2) Diesel prices: the other critical lever<\/h3><p data-start=\"5599\" data-end=\"5755\">Same calculation: each price\/L variation directly affects your cost\/km.<\/p><p data-start=\"5599\" data-end=\"5755\">\ud83d\udc49 Tip: keep a <strong data-start=\"5694\" data-end=\"5708\">range<\/strong> (e.g. low \/ medium \/ high) in your projections.<\/p><h3 data-start=\"5757\" data-end=\"5780\">3) Resale value<\/h3><ul data-start=\"5781\" data-end=\"5934\"><li data-start=\"5781\" data-end=\"5841\"><p data-start=\"5783\" data-end=\"5841\"><strong data-start=\"5783\" data-end=\"5796\">+$10,000<\/strong> on resale = <strong data-start=\"5814\" data-end=\"5829\">-$2,000\/year<\/strong> over 5 years<\/p><\/li><li data-start=\"5842\" data-end=\"5934\"><p data-start=\"5844\" data-end=\"5934\">It comes down to: maintenance, history, general condition, corrosion, tires, mechanical file.<\/p><\/li><\/ul><h3 data-start=\"5936\" data-end=\"5987\">4) &#8220;Other costs&#8221; (maintenance\/insurance\/plate)<\/h3><p data-start=\"5988\" data-end=\"6034\">In our <strong data-start=\"6003\" data-end=\"6018\">$18,000\/year<\/strong> scenario, this is solid if :<\/p><ul data-start=\"6035\" data-end=\"6117\"><li data-start=\"6035\" data-end=\"6070\"><p data-start=\"6037\" data-end=\"6070\">well-monitored planned maintenance<\/p><\/li><li data-start=\"6071\" data-end=\"6089\"><p data-start=\"6073\" data-end=\"6089\">stable insurance<\/p><\/li><li data-start=\"6090\" data-end=\"6117\"><p data-start=\"6092\" data-end=\"6117\">few claims\/downtime<\/p><\/li><\/ul><p data-start=\"6119\" data-end=\"6200\">Otherwise, this item can escalate rapidly (and this is often where the TCO explodes).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-351e9ef e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"351e9ef\" data-element_type=\"container\" data-e-type=\"container\" id=\"checklist\">\n\t\t<div class=\"elementor-element elementor-element-c5e241d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"c5e241d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-725e388 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"725e388\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Download our free TCO calculator!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b29a200 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b29a200\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Keep your free TCO calculator on your device for life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09d2cc3 elementor-widget elementor-widget-off-canvas\" data-id=\"09d2cc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"off-canvas.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div id=\"off-canvas-09d2cc3\" class=\"e-off-canvas\" role=\"dialog\" aria-hidden=\"true\" aria-label=\"Off-Canvas-Calculator\" aria-modal=\"true\" inert=\"\" data-delay-child-handlers=\"true\">\n\t\t\t<div class=\"e-off-canvas__overlay\"><\/div>\n\t\t\t<div class=\"e-off-canvas__main\">\n\t\t\t\t<div class=\"e-off-canvas__content\">\n\t\t\t\t\t<div class=\"elementor-element elementor-element-d00b68d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no 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32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9704ea7 elementor-widget elementor-widget-heading\" data-id=\"9704ea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Download our TCO calculator <br>(Total Cost of Ownership)  <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32b6792 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"32b6792\" 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id=\"Calculateur_TCO\" name=\"New form\" aria-label=\"New form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"16942\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"c7f23b8\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-prenom elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-prenom\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tYour first name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[prenom]\" id=\"form-field-prenom\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"First name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-nom elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-nom\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tYour surname\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[nom]\" id=\"form-field-nom\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEnter your e-mail address\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"E-mail\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_1e5010d elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_1e5010d\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEnter your phone number\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_1e5010d]\" id=\"form-field-field_1e5010d\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Phone\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_a6f8145 elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_a6f8145\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LdMefUqAAAAANd6aqUmYp-GEvGlVGWZLwAxtypT\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-download\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 136V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zm76.45 211.36l-96.42 95.7c-6.65 6.61-17.39 6.61-24.04 0l-96.42-95.7C73.42 337.29 80.54 320 94.82 320H160v-80c0-8.84 7.16-16 16-16h32c8.84 0 16 7.16 16 16v80h65.18c14.28 0 21.4 17.29 11.27 27.36zM377 105L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1c0-6.3-2.5-12.4-7-16.9z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the calculator<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-157cbdc elementor-widget elementor-widget-image\" data-id=\"157cbdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"782\" height=\"1020\" src=\"https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min.jpeg\" class=\"attachment-full size-full wp-image-17003\" alt=\"Hino L8 Truck TCO Calculator - Hino Trucks, Hino Quebec, Hino South Shore and Hino Drummondville-min\" srcset=\"https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min.jpeg 782w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-230x300.jpeg 230w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-768x1002.jpeg 768w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-600x783.jpeg 600w, https:\/\/camion-hino.net\/wp-content\/uploads\/2026\/01\/Calculateur-TCO-Hino-L8-pour-camion-Camions-Hino-Hino-Quebec-Hino-Rive-Sud-et-Hino-Drummondville-min-41x54.jpeg 41w\" sizes=\"(max-width: 782px) 100vw, 782px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Overview of the TCO calculator you're about to get<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f6a0da elementor-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"9f6a0da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Doff_canvas%3Aopen%26settings%3DeyJpZCI6IjA5ZDJjYzMiLCJkaXNwbGF5TW9kZSI6Im9wZW4ifQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-download\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 136V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zm76.45 211.36l-96.42 95.7c-6.65 6.61-17.39 6.61-24.04 0l-96.42-95.7C73.42 337.29 80.54 320 94.82 320H160v-80c0-8.84 7.16-16 16-16h32c8.84 0 16 7.16 16 16v80h65.18c14.28 0 21.4 17.29 11.27 27.36zM377 105L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1c0-6.3-2.5-12.4-7-16.9z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9e645a elementor-widget elementor-widget-n-accordion\" data-id=\"b9e645a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1940\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1940\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is the TCO of the Hino L8 in this scenario? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1940\" class=\"elementor-element elementor-element-266d085 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"266d085\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1664d5a elementor-widget elementor-widget-text-editor\" data-id=\"1664d5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With a $145,000 purchase price,<\/p><ul><li>Resale: $80,000<\/li><li>60,000 km\/year<\/li><li>Diesel cost $1.85\/L<\/li><li>Average fuel consumption: <strong data-start=\"7078\" data-end=\"7090\">25 L\/100<\/strong><\/li><li>Other costs $18,000\/year<\/li><li>Financing 7.99% (15% down payment)<\/li><\/ul><p>The TCO of the Hino L8 is about <strong data-start=\"7209\" data-end=\"7224\">\u2248 $1.07\/km or<\/strong> <strong data-start=\"7179\" data-end=\"7202\">$320,409 over 5 years<\/strong>,.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1941\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1941\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How much does a Hino L8 cost \"per month\" in cashflow? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1941\" class=\"elementor-element elementor-element-17414dc e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"17414dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6c562c elementor-widget elementor-widget-text-editor\" data-id=\"a6c562c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"7279\" data-end=\"7461\">In recurring outflows, about <strong data-start=\"7311\" data-end=\"7330\">$6,310.98\/month<\/strong> (payment + fuel + maintenance\/insurance\/plate), plus <strong data-start=\"7391\" data-end=\"7403\">$21,750<\/strong> at startup (downpayment), and <strong data-start=\"7434\" data-end=\"7447\">+$80,000<\/strong> upon resale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1942\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1942\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does financing change depreciation? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1942\" class=\"elementor-element elementor-element-771ece0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"771ece0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c57648 elementor-widget elementor-widget-text-editor\" data-id=\"0c57648\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"7510\" data-end=\"7623\">No. Depreciation is still <strong data-start=\"7537\" data-end=\"7556\">purchase &#8211; resale<\/strong>. Financing adds an <strong data-start=\"7583\" data-end=\"7601\">interest cost<\/strong> that increases your TCO.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1943\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1943\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What's the best way to reduce TCO? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1943\" class=\"elementor-element elementor-element-e966515 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e966515\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-530fdf9 elementor-widget elementor-widget-text-editor\" data-id=\"530fdf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In practice, the three most effective levers are :<\/p>\n\n<ol>\n \t<li>\n<p>reduce actual consumption (idling, road, load, driving)<\/p>\n<\/li>\n \t<li>\n<p>stabilize annual costs (planned maintenance + insurance)<\/p>\n<\/li>\n \t<li>\n<p>maximize resale value (history, condition, maintenance)<\/p>\n<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1944\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1944\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Why compare in $\/km? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1944\" class=\"elementor-element elementor-element-2f8b133 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2f8b133\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-185d692 elementor-widget elementor-widget-text-editor\" data-id=\"185d692\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Because it neutralizes the &#8220;I drive more\/less&#8221; effect, and makes it possible to compare two configurations more accurately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the TCO of the Hino L8 in this scenario?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"With a $145,000 purchase price,Resale: $80,00060,000 km\\\/yearDiesel cost $1.85\\\/LAverage fuel consumption: 25 L\\\/100Other costs $18,000\\\/yearFinancing 7.99% (15% down payment)The TCO of the Hino L8 is about \\u2248 $1.07\\\/km or $320,409 over 5 years,.\"}},{\"@type\":\"Question\",\"name\":\"How much does a Hino L8 cost \\\"per month\\\" in cashflow?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In recurring outflows, about $6,310.98\\\/month (payment + fuel + maintenance\\\/insurance\\\/plate), plus $21,750 at startup (downpayment), and +$80,000 upon resale.\"}},{\"@type\":\"Question\",\"name\":\"Does financing change depreciation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Depreciation is still purchase &#8211; resale. Financing adds an interest cost that increases your TCO.\"}},{\"@type\":\"Question\",\"name\":\"What's the best way to reduce TCO?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In practice, the three most effective levers are :\\n\\n\\n \\t\\nreduce actual consumption (idling, road, load, driving)\\n\\n \\t\\nstabilize annual costs (planned maintenance + insurance)\\n\\n \\t\\nmaximize resale value (history, condition, maintenance)\"}},{\"@type\":\"Question\",\"name\":\"Why compare in $\\\/km?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because it neutralizes the &#8220;I drive more\\\/less&#8221; effect, and makes it possible to compare two configurations more accurately.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Find out more about the daily mandatory truck safety patrol in Quebec. We&#8217;ll give you a FREE checklist and report! <\/p>\n","protected":false},"author":2,"featured_media":17099,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[319,350],"tags":[388,389],"class_list":["post-16942","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-truck","category-transport-en","tag-tco","tag-tco-hino-l8"],"_links":{"self":[{"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/posts\/16942","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/comments?post=16942"}],"version-history":[{"count":19,"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/posts\/16942\/revisions"}],"predecessor-version":[{"id":17124,"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/posts\/16942\/revisions\/17124"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/media\/17099"}],"wp:attachment":[{"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/media?parent=16942"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/categories?post=16942"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/camion-hino.net\/en\/wp-json\/wp\/v2\/tags?post=16942"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}