{"id":11921,"date":"2026-01-07T17:12:12","date_gmt":"2026-01-07T22:12:12","guid":{"rendered":"https:\/\/hinorivesud.com\/?p=11921"},"modified":"2026-01-12T16:07:10","modified_gmt":"2026-01-12T21:07:10","slug":"total-cost-of-ownership-hino-l6-tco","status":"publish","type":"post","link":"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-tco\/","title":{"rendered":"Total Cost of Ownership | TCO Hino L6 : calculation, cashflow and tips"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11921\" class=\"elementor elementor-11921 elementor-11920\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2f3d92 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=\"d2f3d92\" 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-a3cb9b4 elementor-widget elementor-widget-text-editor\" data-id=\"a3cb9b4\" 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>Summary :<\/h3><ul><li><strong>TCO (total cost of ownership)<\/strong> = <em>depreciation + fuel + annual costs (maintenance\/insurance\/plate) + interest on financing<\/em> (in this scenario).<\/li><li><strong>Scenario used<\/strong>: Hino L6 at <strong>$130,000<\/strong> (purchase) \u2192 <strong>$70,000<\/strong> (resale), <strong>5 years<\/strong>, <strong>60,000 km\/year<\/strong>, diesel <strong>$1.85\/L<\/strong>, average consumption <strong>23 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><li><strong>Depreciation<\/strong>: <strong>$12,000\/year<\/strong> (130,000 &#8211; 70,000 \u00f7 5).<\/li><li><strong>Fuel<\/strong>: <strong>$25,530\/year<\/strong> (13,800 L\/year \u00d7 $1.85).<\/li><li><strong>Financing<\/strong>: down payment <strong>$19,500<\/strong>, amount financed <strong>$110,500<\/strong>, payment <strong>\u2248 $2,240.01\/month<\/strong>, total interest <strong>\u2248 $23,900.77<\/strong> over 5 years.<\/li><\/ul><p><strong>Hino L6 TCO result<\/strong>: <strong>\u2248 $60,310.15\/year<\/strong>, or <strong>\u2248 $1.01\/km<\/strong>, and <strong>\u2248 $301,550.77<\/strong> net over <strong>5 years<\/strong> (after resale.)<\/p><ul><li><strong>Monthly recurring cashflow<\/strong> (payment + fuel + annual costs): <strong>\u2248 $5,867.51\/month<\/strong>.<\/li><li><strong>Major flows<\/strong>: <strong>-$19,500<\/strong> at start (downpayment) and <strong>+$70,000<\/strong> at end (resale).<\/li><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><li><strong>What really moves the TCO<\/strong>: fuel consumption, diesel price, resale value, and stability of annual costs (maintenance\/insurance\/plate).<\/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-f5784d0 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=\"f5784d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3d4480d 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=\"3d4480d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9c0806 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"f9c0806\" 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-851f948 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"851f948\" 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-533aec5 elementor-widget elementor-widget-off-canvas\" data-id=\"533aec5\" 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-533aec5\" 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href=\"#elementor-action%3Aaction%3Doff_canvas%3Atoggle%26settings%3DeyJpZCI6IjUzM2FlYzUiLCJkaXNwbGF5TW9kZSI6InRvZ2dsZSJ9\">\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-391362c elementor-widget elementor-widget-heading\" data-id=\"391362c\" 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-a940e47 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=\"a940e47\" 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-e6a736e 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=\"e6a736e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5252d23 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"5252d23\" 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=\"11921\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"5252d23\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Patrice\" \/>\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=\"6LdKgvUrAAAAAHScyN3-pFYs4KKwRkMPxPVfSmYp\" 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<input type='hidden' name='lang' value='en' \/><\/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-49fc15f elementor-widget elementor-widget-image\" data-id=\"49fc15f\" 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:\/\/hinorivesud.com\/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-11831\" alt=\"Calculateur TCO gratuit, Calculateur de TCO gratuit en ligne, Calculateur de TCO pour camion\" srcset=\"https:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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-da37858 elementor-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"da37858\" 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%3DeyJpZCI6IjUzM2FlYzUiLCJkaXNwbGF5TW9kZSI6Im9wZW4ifQ%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-3402674 elementor-widget elementor-widget-text-editor\" data-id=\"3402674\" 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_89 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\" 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ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-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-3\" href=\"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-tco\/#3_Hino_L6_TCO_calculation_step-by-step\" >3) Hino L6 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-4\" href=\"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-tco\/#4_Hino_L6_TCO_results_final_figures\" >4) Hino L6 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-5\" href=\"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-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-6\" href=\"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-tco\/#6_Summary_Table_TCO_of_the_Hino_L6\" >6) Summary (Table): TCO of the Hino L6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-tco\/#Tableau_1_TCO_Cout_Total_de_Possession_du_Hino_L6_%E2%80%93_Resume\" >Tableau 1 : TCO (Co\u00fbt Total de Possession) du Hino L6 \u2013 R\u00e9sum\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-tco\/#Tableau_2_Cashflow_SortiesEntrees_%E2%80%93_Mensuel_du_Hino_L6\" >Tableau 2 : Cashflow (Sorties\/Entr\u00e9es) \u2013 Mensuel du Hino L6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-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_Hino_L6_full_calculation_cashflow_5-year_scenario_60000_kmyear\"><\/span>Total Cost of Ownership <span style=\"text-decoration: underline;\"><a href=\"https:\/\/camionshino.com\/hino-l6\/\" target=\"_blank\" rel=\"noopener\">Hino L6<\/a><\/span> full calculation + cashflow (5-year scenario \/ 60,000 km\/year)<span class=\"ez-toc-section-end\"><\/span><\/h2><div><p>A price on a purchase order doesn&#8217;t say much about a truck&#8217;s profitability. To make an informed decision, it&#8217;s best to look at the <strong>Total Cost of Ownership (TCO)<\/strong>: everything the vehicle actually costs you over time and kilometers <strong>&#8211; depreciation, fuel, maintenance, insurance, registration, financing<\/strong>, and more &#8211; then subtract the <strong>resale value<\/strong> at the end of the term.<\/p><p>In the category of <strong>6-wheelers around 26,000 lb GVWR<\/strong>, the <strong>Hino L6<\/strong> stands out as a solid choice. Transport (20\/26-foot box, distribution, fleet) or light towing within the limits of a <strong>class 5 license<\/strong>, the key factor is not the price, but what the truck represents in terms of <strong>cost\/km<\/strong> and <strong>monthly cashflow<\/strong>. This is the type of analysis that <strong>Groupe National Hino Rive-Sud<\/strong> puts forward to align the truck with your reality: use, budget and operating objectives.<\/p><p>In this article, we start with a <strong>concrete scenario<\/strong> ( <strong>7.99%<\/strong> financing with <strong>15% down payment<\/strong>) to calculate the TCO of the Hino L6, then show you how to easily adjust the model to your data (annual mileage, fuel consumption, diesel price, resale value, etc.).<\/p><h4>1) What exactly is TCO?<\/h4><p><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 generally: <strong>$\/km<\/strong><\/span><\/p><\/blockquote><h3>Why it&#8217;s useful<\/h3><p>Because two trucks can have a similar purchase price&#8230; but cost very differently:<\/p><ul><li>one consumes more than the other<\/li><li>one retains its value better (and therefore has a higher resale value)<\/li><li>one has higher maintenance costs<\/li><li>one makes you lose more time in downtime<\/li><\/ul><p>\ud83d\udc49 The TCO allows you to compare &#8220;apples to apples&#8221; and decide with a concrete figure:<\/p><ul><li><strong>Annual TCO<\/strong> (budget)<\/li><li><strong>TCO per km<\/strong> (profitability \/ operating cost)<\/li><\/ul><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><strong>Hino L6 (chassis cab only: no equipment) &#8211; Purchase price: $130,000<\/strong><\/li><li><strong>Resale after 5 years: $70,000<\/strong><\/li><li><strong>Usage: 60,000 km\/year<\/strong><\/li><li><strong>Horizon: 5 years (300,000 km)<\/strong><\/li><li><strong>Diesel: $1.85\/L<\/strong><\/li><li><strong>Average fuel consumption: 23 L\/100 km<\/strong><\/li><li><strong>Other costs (maintenance + insurance + plate)<\/strong>: <strong data-start=\"3737\" data-end=\"3765\">\u2248 <\/strong><strong>$18,000\/year<\/strong><\/li><li><strong>Financing: 7.99% over 60 months<\/strong><\/li><li><strong>Down payment: 15% or $19,500<\/strong><\/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_L6_TCO_calculation_step-by-step\"><\/span>3) Hino L6 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\">130 <\/span><span class=\"mord\">000 $<\/span><span class=\"mbin\">&#8211;<\/span><\/span><span class=\"base\"><span class=\"mord\">70 <\/span><span class=\"mord\">000 $<\/span><span class=\"mclose\">)<\/span><span class=\"mord\">\/5 years <\/span><span class=\"mrel\">=<\/span><\/span><span class=\"base\"><span class=\"mord\">12 <\/span><span class=\"mord\">000<\/span><span class=\"mord\">$\/<\/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\">$12,000\/year<\/strong><\/p><hr data-start=\"2924\" data-end=\"2927\"><h3 data-start=\"2929\" data-end=\"2966\">B) Annual fuel (23 L\/100 km) with 60,000 km\/year<\/h3><ol><li data-start=\"2970\" data-end=\"2981\">Litres\/year : <span class=\"base\"><span class=\"mord\">60 <\/span><span class=\"mord\">000<\/span><span class=\"mbin\">\u00d7<\/span><\/span><span class=\"base\"><span class=\"mord\">25\/100 <\/span><span class=\"mrel\">= <\/span><\/span><span class=\"base\"><span class=\"mord\">13 8<\/span><span class=\"mord\">00<\/span><span class=\"mspace\"> <\/span><span class=\"mord mathnormal\">L<\/span><span class=\"mord\">\/<\/span><span class=\"mord mathnormal\">year<\/span><\/span><\/li><li data-start=\"3026\" data-end=\"3038\"><p data-start=\"3029\" data-end=\"3038\">Cost\/year : <span class=\"base\"><span class=\"mord\">13 8<\/span><span class=\"mord\">00<\/span><span class=\"mbin\">\u00d7<\/span><\/span><span class=\"base\"><span class=\"mord\">1<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">85 <\/span><span class=\"mrel\">= 25 530<\/span><\/span><span class=\"base\"><span class=\"mspace\"> <\/span><span class=\"mord\">$\/<\/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\">$25,530\/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>: $130,000 \u00d7 15% = <strong data-start=\"3332\" data-end=\"3344\">$19,500<\/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>: $130,000 &#8211; 19,500 = <strong data-start=\"3388\" data-end=\"3401\">$110,500<\/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\">$2,240.01\/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\">$23,900.77<\/strong><br data-start=\"3506\" data-end=\"3509\">\u2192 annual average: <strong data-start=\"3532\" data-end=\"3549\">$4,780.15\/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=\"3532\" data-end=\"3549\">$4,780.<\/strong><strong data-start=\"3587\" data-end=\"3604\"> 15\/year<\/strong><\/p><h2 data-start=\"3611\" data-end=\"3648\"><span class=\"ez-toc-section\" id=\"4_Hino_L6_TCO_results_final_figures\"><\/span>4) Hino L6 TCO results (final figures)<span class=\"ez-toc-section-end\"><\/span><\/h2><h4 data-start=\"3650\" data-end=\"3666\"><span style=\"font-size: 20px;\">\u2705 Hino L6 annual TCO<\/span><\/h4><p data-start=\"3938\" data-end=\"3971\"><span class=\"base\"><span class=\"mord\">12 <\/span><span class=\"mord\">000 <\/span><span class=\"mbin\">+ <\/span> <\/span><span class=\"base\"><span class=\"mord\">25 53<\/span><span class=\"mord\">0 <\/span><span class=\"mbin\">+ <\/span> <\/span><span class=\"base\"><span class=\"mord\">18 <\/span><span class=\"mord\">000 <\/span><span class=\"mbin\">+ 4 780<\/span><\/span><span class=\"base\"><span class=\"mpunct\">,15<\/span><span class=\"mord\"> <\/span><span class=\"mrel\">= <\/span> <\/span><span class=\"base\"><span class=\"mord\">60 310<\/span><span class=\"mpunct\">,15<\/span><span class=\"mspace\"> <\/span><span class=\"mord\">$\/<\/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 <span class=\"base\"><span class=\"mord\">$60,310<\/span><span class=\"mpunct\">.15\/year<\/span><\/span><\/strong><\/p><h4 data-start=\"3767\" data-end=\"3783\"><span style=\"font-size: 20px;\">\u2705 Hino L6 TCO per km<\/span><\/h4><p data-start=\"3938\" data-end=\"3971\"><span class=\"base\"><span class=\"mord\">60 310<span class=\"mpunct\">,15<\/span> $ \/ 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\">0052<\/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 $1.01\/km<\/strong><\/p><h4 data-start=\"3852\" data-end=\"3892\"><span style=\"font-size: 20px;\">\u2705 Net cost over 5 years (after resale) of the Hino L6<\/span><\/h4><p data-start=\"3938\" data-end=\"3971\"><span class=\"base\"><span class=\"mord\">60,310<span class=\"mpunct\">.15\/year<\/span> <\/span><span class=\"mbin\">\u00d7 <\/span><\/span><span class=\"base\"><span class=\"mord\">5 years <\/span><span class=\"mrel\">= <\/span><\/span><span class=\"base\"><span class=\"mord\">301 550,77<\/span><span class=\"mspace\"> <\/span><span class=\"mord\">$<\/span><\/span><\/p><p data-start=\"3938\" data-end=\"3971\">\u27a1\ufe0f <strong data-start=\"3941\" data-end=\"3971\">Net cost 5 years \u2248 $301,551<\/strong><\/p><\/div>\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-ab4a9e8 elementor-widget elementor-widget-text-editor\" data-id=\"ab4a9e8\" 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 the truck costs you per month<\/strong> to run.<\/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\">$2,240.01\/month<\/strong><\/p><\/li><li data-start=\"4220\" data-end=\"4264\"><p data-start=\"4223\" data-end=\"4264\"><strong data-start=\"4223\" data-end=\"4260\">Fuel + other monthly costs<\/strong>:  <span class=\"base\"><span class=\"mopen\">(<\/span><span class=\"mord\">25 53<\/span><span class=\"mord\">0$ <\/span><span class=\"mbin\">+ <\/span> <\/span><span class=\"base\"><span class=\"mord\">18 <\/span><span class=\"mord\">000$<\/span><span class=\"mclose\">) <\/span><span class=\"mord\">\/ 12 months <\/span><span class=\"mrel\">= <\/span> <\/span><strong><span class=\"base\"><span class=\"mord\">3 627,50<\/span><span class=\"mspace\"> <\/span><span class=\"mord\">$\/<\/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\">2 240,01<\/span><span class=\"mord\"> $<\/span><span class=\"mbin\">+ <\/span><\/span><span class=\"base\"><span class=\"mord\">3 627,50<\/span><span class=\"mord\"> $ <\/span><span class=\"mrel\">= 5 867,51<\/span><\/span><span class=\"base\"><span class=\"mspace\"> <\/span><span class=\"mord\">$\/month<\/span><\/span><\/p><p data-start=\"4400\" data-end=\"4441\">\u27a1\ufe0f <strong data-start=\"4403\" data-end=\"4441\">Monthly cashflow \u2248 $5,867.51\/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>: <strong data-start=\"4493\" data-end=\"4506\">$19,500<\/strong> down payment<\/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\">+$70,000<\/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 cash flow of approximately: <strong data-start=\"4597\" data-end=\"4634\">+70,000 &#8211; 5,867.51 = +$64,132.49<\/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: $2,240.01 \u00d7 12 \u2248 <strong data-start=\"4750\" data-end=\"4762\">$26,880.15<\/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\">$25,530<\/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\">$70,410.15\/year<\/strong><\/p><\/li><li data-start=\"4853\" data-end=\"4889\"><p data-start=\"4855\" data-end=\"4889\">Year 5: <strong>+ $70,000<\/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\">= $19,500 + $134,400.77 + $217,650<br data-start=\"5060\" data-end=\"5063\">= <strong data-start=\"5065\" data-end=\"5081\">$371,550.77<\/strong><\/p><\/li><li data-start=\"5082\" data-end=\"5113\"><p data-start=\"5084\" data-end=\"5113\">Resale income = <strong>$70,000<\/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\">$301,550.77<\/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-f4ab02d 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=\"f4ab02d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-456d083 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=\"456d083\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3b3380 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"b3b3380\" 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-501de14 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"501de14\" 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-e043b60 elementor-widget elementor-widget-off-canvas\" data-id=\"e043b60\" 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-e043b60\" class=\"e-off-canvas\" role=\"dialog\" aria-hidden=\"true\" aria-label=\"Off-Canvas-Calculator-2-en\" 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-8eef5a7 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=\"8eef5a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75f3783 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"75f3783\" 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%3DeyJpZCI6ImUwNDNiNjAiLCJkaXNwbGF5TW9kZSI6InRvZ2dsZSJ9\">\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-8917b0e elementor-widget elementor-widget-heading\" data-id=\"8917b0e\" 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-e79c2c3 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=\"e79c2c3\" 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-6467701 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=\"6467701\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-112b832 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"112b832\" 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=\"11921\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"112b832\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Patrice\" \/>\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=\"6LdKgvUrAAAAAHScyN3-pFYs4KKwRkMPxPVfSmYp\" 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<input type='hidden' name='lang' value='en' \/><\/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-6860583 elementor-widget elementor-widget-image\" data-id=\"6860583\" 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:\/\/hinorivesud.com\/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-11831\" alt=\"Calculateur TCO gratuit, Calculateur de TCO gratuit en ligne, Calculateur de TCO pour camion\" srcset=\"https:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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-8d940be elementor-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"8d940be\" 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%3DeyJpZCI6ImUwNDNiNjAiLCJkaXNwbGF5TW9kZSI6Im9wZW4ifQ%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-7c981f3 elementor-widget elementor-widget-heading\" data-id=\"7c981f3\" 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 here<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5519ed4 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"5519ed4\" 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-8920\" 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-8920\" >\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-8920\" class=\"elementor-element elementor-element-db61cfe 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=\"db61cfe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63f7ddd elementor-widget elementor-widget-html\" data-id=\"63f7ddd\" 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=\"130000\"><\/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=\"70000\"><\/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=\"23\"><\/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-68557fa elementor-widget elementor-widget-heading\" data-id=\"68557fa\" 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_L6\"><\/span>6) Summary (Table): TCO of the Hino L6<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-cae92d8 elementor-widget elementor-widget-html\" data-id=\"cae92d8\" 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<!-- TCO du Hino L6 (aucun d\u00e9bordement sur la 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; \/* Emp\u00eache tout d\u00e9bordement global *\/\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; \/* Emp\u00eache le d\u00e9bordement \u00e0 l'int\u00e9rieur de la carte *\/\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 UNIQUEMENT SUR LES 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    \/* Indice discret si scroll possible *\/\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    \/* La table peut d\u00e9passer le wrapper => scroll horizontal *\/\n    table{\n      border-collapse:collapse;\n      width:max-content;  \/* Important: la table garde sa largeur naturelle *\/\n      min-width:760px;    \/* Ajuste selon le nombre de colonnes *\/\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 L6<\/strong> \u2014 Exemple chiffr\u00e9<\/span><span class=\"badge\">5 ans<\/span><span class=\"badge\">60 000 km\/an<\/span><span class=\"badge\">Diesel 1,85 $\/L<\/span><span class=\"badge\">Conso 23 L\/100<\/span><span class=\"badge\">Taux 7,99% (60 mois)<\/span><span class=\"badge\">Mise de fonds 15%<\/span><\/div><div class=\"tco-grid\"><!-- TCO --><article class=\"tco-card\"><h2><span class=\"ez-toc-section\" id=\"Tableau_1_TCO_Cout_Total_de_Possession_du_Hino_L6_%E2%80%93_Resume\"><\/span>Tableau 1 : TCO (Co\u00fbt Total de Possession) du Hino L6 \u2013 R\u00e9sum\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"table-scroll\" role=\"region\" aria-label=\"Tableau TCO (d\u00e9filement horizontal)\" tabindex=\"0\"><table><thead><tr><th>Poste de co\u00fbt<\/th><th class=\"num\">Annuel ($)<\/th><th class=\"num\">Sur 5 ans ($)<\/th><th class=\"muted\">Hypoth\u00e8se \/ d\u00e9tail<\/th><\/tr><\/thead><tbody><tr><td><strong>D\u00e9pr\u00e9ciation<\/strong><\/td><td class=\"num\">12 000,00<\/td><td class=\"num\">60 000,00<\/td><td class=\"muted small\">(130 000 \u2212 70 000) \u00f7 5<\/td><\/tr><tr><td><strong>Carburant<\/strong><\/td><td class=\"num\">25 530,00<\/td><td class=\"num\">127 650,00<\/td><td class=\"muted small\">60 000 km\/an \u00d7 23 L\/100 \u00d7 1,85 $\/L<\/td><\/tr><tr><td><strong>Autres co\u00fbts<\/strong> <br\/>(maintenance + assurance + plaque)<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">90 000,00<\/td><td class=\"muted small\">Budget annuel fixe<\/td><\/tr><tr><td><strong>Int\u00e9r\u00eats (financement)<\/strong><\/td><td class=\"num\">4 780,15<\/td><td class=\"num\">23 900,77<\/td><td class=\"muted small\">7,99% \/ 60 mois sur 110 500 $<\/td><\/tr><tr class=\"total-row\"><td><strong>TCO total (net)<\/strong><\/td><td class=\"num\">60 310,15<\/td><td class=\"num\">301 550,77<\/td><td class=\"muted small\">Apr\u00e8s revente (inclus via d\u00e9pr\u00e9ciation)<\/td><\/tr><\/tbody><\/table><\/div><div class=\"scroll-hint\">Sur mobile : glisse le tableau vers la gauche\/droite pour voir toutes les colonnes.<\/div><div class=\"kpi\"><div><div class=\"label\">TCO par km<\/div><div class=\"value\">\u2248 1,01 $\/km<\/div><div class=\"muted small\">60 310,15 \u00f7 60 000<\/div><\/div><div><div class=\"label\">Co\u00fbt net sur 5 ans<\/div><div class=\"value\">301 550,77 $<\/div><div class=\"muted small\">60 310,15 \u00d7 5<\/div><\/div><\/div><\/article><!-- Cashflow --><article class=\"tco-card\"><h2><span class=\"ez-toc-section\" id=\"Tableau_2_Cashflow_SortiesEntrees_%E2%80%93_Mensuel_du_Hino_L6\"><\/span>Tableau 2 : Cashflow (Sorties\/Entr\u00e9es) \u2013 Mensuel du Hino L6<span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"table-scroll\" role=\"region\" aria-label=\"Tableau Cashflow (d\u00e9filement horizontal)\" tabindex=\"0\"><table><thead><tr><th>\u00c9l\u00e9ment<\/th><th class=\"num\">Montant<\/th><th class=\"muted\">D\u00e9tail<\/th><\/tr><\/thead><tbody><tr><td><strong>Mise de fonds (15%)<\/strong><\/td><td class=\"num\">19 500,00 $<\/td><td class=\"muted small\">Pay\u00e9e au jour 0<\/td><\/tr><tr><td><strong>Montant financ\u00e9<\/strong><\/td><td class=\"num\">110 500,00 $<\/td><td class=\"muted small\">130 000 \u2212 19 500<\/td><\/tr><tr><td><strong>Paiement mensuel (financement)<\/strong><\/td><td class=\"num\">2 240,01 $\/mois<\/td><td class=\"muted small\">7,99% \/ 60 mois<\/td><\/tr><tr><td><strong>Carburant + autres co\u00fbts (mensuel)<\/strong><\/td><td class=\"num\">3 627,50 $\/mois<\/td><td class=\"muted small\">(25 530 + 18 000) \u00f7 12<\/td><\/tr><tr class=\"total-row\"><td><strong>Sortie mensuelle r\u00e9currente totale<\/strong><\/td><td class=\"num\">5 867,51 $\/mois<\/td><td class=\"muted small\">2 240,01 + 3 627,50<\/td><\/tr><tr><td><strong>Revente (mois 60)<\/strong><\/td><td class=\"num\">70 000,00 $<\/td><td class=\"muted small\">Entr\u00e9e \u00e0 la fin du terme<\/td><\/tr><tr class=\"total-row\"><td><strong>Flux net du mois 60<\/strong><\/td><td class=\"num\">+64 132,49 $<\/td><td class=\"muted small\">70 000 \u2212 5 867,51<\/td><\/tr><\/tbody><\/table><\/div><div class=\"scroll-hint\">Sur mobile : glisse le tableau vers la gauche\/droite pour voir toutes les colonnes.<\/div><h3 style=\"margin:14px 0 8px;font-size:16px;\">\u00c9ch\u00e9ancier annuel (vision gestion)<\/h3><div class=\"table-scroll\" role=\"region\" aria-label=\"\u00c9ch\u00e9ancier annuel (d\u00e9filement horizontal)\" tabindex=\"0\"><table><thead><tr><th>Ann\u00e9e<\/th><th class=\"num\">Paiements financement<\/th><th class=\"num\">Carburant<\/th><th class=\"num\">Autres co\u00fbts<\/th><th class=\"num\">Sorties totales<\/th><th class=\"num\">Entr\u00e9e revente<\/th><th class=\"num\">Flux net<\/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\">19 500,00<\/td><td class=\"num\">0<\/td><td class=\"num\">-19 500,00<\/td><\/tr><tr><td>1<\/td><td class=\"num\">26 880,15<\/td><td class=\"num\">25 530,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">70 410,15<\/td><td class=\"num\">0<\/td><td class=\"num\">-70 410,15<\/td><\/tr><tr><td>2<\/td><td class=\"num\">26 880,15<\/td><td class=\"num\">25 530,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">70 410,15<\/td><td class=\"num\">0<\/td><td class=\"num\">-70 410,15<\/td><\/tr><tr><td>3<\/td><td class=\"num\">26 880,15<\/td><td class=\"num\">25 530,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">70 410,15<\/td><td class=\"num\">0<\/td><td class=\"num\">-70 410,15<\/td><\/tr><tr><td>4<\/td><td class=\"num\">26 880,15<\/td><td class=\"num\">25 530,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">70 410,15<\/td><td class=\"num\">0<\/td><td class=\"num\">-70 410,15<\/td><\/tr><tr><td>5<\/td><td class=\"num\">26 880,15<\/td><td class=\"num\">25 530,00<\/td><td class=\"num\">18 000,00<\/td><td class=\"num\">70 410,15<\/td><td class=\"num\">70 000,00<\/td><td class=\"num\">-410,15<\/td><\/tr><tr class=\"total-row\"><td><strong>Total 5 ans<\/strong><\/td><td class=\"num\"><strong>134 400,77<\/strong><\/td><td class=\"num\"><strong>127 650,00<\/strong><\/td><td class=\"num\"><strong>90 000,00<\/strong><\/td><td class=\"num\"><strong>371 550,77<\/strong><\/td><td class=\"num\"><strong>70 000,00<\/strong><\/td><td class=\"num\"><strong>-301 550,77<\/strong><\/td><\/tr><\/tbody><\/table><\/div><div class=\"scroll-hint\">Sur mobile : glisse le tableau vers la gauche\/droite pour voir toutes les colonnes.<\/div><\/article><\/div><\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7f6cee elementor-widget elementor-widget-text-editor\" data-id=\"d7f6cee\" 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><li data-start=\"5355\" data-end=\"5382\"><strong data-start=\"5355\" data-end=\"5382\">+1 L\/100 km = +600 L\/year<\/strong><\/li><li data-start=\"5385\" data-end=\"5429\"><strong data-start=\"5385\" data-end=\"5429\">Annual impact = 600 \u00d7 1.85 = $1,110\/year<\/strong><\/li><li data-start=\"5432\" data-end=\"5463\"><strong data-start=\"5432\" data-end=\"5463\">Impact over 5 years = +$5,550<\/strong><\/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><li 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<\/li><li data-start=\"5844\" data-end=\"5934\">It comes down to: maintenance, history, general condition, corrosion, tires, mechanical file.<\/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><li data-start=\"6037\" data-end=\"6070\">Well-tracked planned maintenance<\/li><li data-start=\"6073\" data-end=\"6089\">Stable insurance<\/li><li data-start=\"6092\" data-end=\"6117\">Few claims\/downtime<\/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-90b3071 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=\"90b3071\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-59fbb03 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=\"59fbb03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c752701 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"c752701\" 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-5729299 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5729299\" 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-9b8c581 elementor-widget elementor-widget-off-canvas\" data-id=\"9b8c581\" 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-9b8c581\" class=\"e-off-canvas\" role=\"dialog\" aria-hidden=\"true\" aria-label=\"Off-Canvas-Calculator-3-en\" 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-169f8fb 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=\"169f8fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e5017ad elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e5017ad\" 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%3DeyJpZCI6IjliOGM1ODEiLCJkaXNwbGF5TW9kZSI6InRvZ2dsZSJ9\">\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-80f834e elementor-widget elementor-widget-heading\" data-id=\"80f834e\" 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-467c006 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=\"467c006\" 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-23c68fa 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=\"23c68fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55a1d06 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"55a1d06\" 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=\"11921\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"55a1d06\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Patrice\" \/>\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=\"6LdKgvUrAAAAAHScyN3-pFYs4KKwRkMPxPVfSmYp\" 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<input type='hidden' name='lang' value='en' \/><\/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-beed6b9 elementor-widget elementor-widget-image\" data-id=\"beed6b9\" 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:\/\/hinorivesud.com\/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-11831\" alt=\"Calculateur TCO gratuit, Calculateur de TCO gratuit en ligne, Calculateur de TCO pour camion\" srcset=\"https:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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:\/\/hinorivesud.com\/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-75a19f3 elementor-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"75a19f3\" 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%3DeyJpZCI6IjliOGM1ODEiLCJkaXNwbGF5TW9kZSI6Im9wZW4ifQ%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-5022b93 elementor-widget elementor-widget-n-accordion\" data-id=\"5022b93\" 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-8400\" 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-8400\" >\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 L6 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-8400\" class=\"elementor-element elementor-element-b929ad3 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=\"b929ad3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05b54dd elementor-widget elementor-widget-text-editor\" data-id=\"05b54dd\" 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 $130,000 purchase price,<\/p><ul><li>Resale: $70,000<\/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\">23 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 L6 is about <strong data-start=\"7209\" data-end=\"7224\">\u2248 $1.01\/km or<\/strong> <strong data-start=\"7179\" data-end=\"7202\">$301,551 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-8401\" 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-8401\" >\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 L6 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-8401\" class=\"elementor-element elementor-element-988c484 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=\"988c484\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a2a134 elementor-widget elementor-widget-text-editor\" data-id=\"3a2a134\" 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\">Recurring outflows, approximately <strong data-start=\"7311\" data-end=\"7330\">$5,867.51\/month<\/strong> (payment + fuel + maintenance\/insurance\/plate), plus <strong data-start=\"7391\" data-end=\"7403\">$19,500<\/strong> at startup (downpayment), and <strong data-start=\"7434\" data-end=\"7447\">+$70,000<\/strong> on 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-8402\" 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-8402\" >\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-8402\" class=\"elementor-element elementor-element-8bfd305 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=\"8bfd305\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d238cac elementor-widget elementor-widget-text-editor\" data-id=\"d238cac\" 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-8403\" 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-8403\" >\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-8403\" class=\"elementor-element elementor-element-382754c 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=\"382754c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5174b37 elementor-widget elementor-widget-text-editor\" data-id=\"5174b37\" 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-8404\" 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-8404\" >\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-8404\" class=\"elementor-element elementor-element-b7725db 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=\"b7725db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cd2399 elementor-widget elementor-widget-text-editor\" data-id=\"2cd2399\" 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 L6 in this scenario?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"With a $130,000 purchase price,Resale: $70,00060,000 km\\\/yearDiesel cost $1.85\\\/LAverage fuel consumption: 23 L\\\/100Other costs $18,000\\\/yearFinancing 7.99% (15% down payment)The TCO of the Hino L6 is about \\u2248 $1.01\\\/km or $301,551 over 5 years,.\"}},{\"@type\":\"Question\",\"name\":\"How much does a Hino L6 cost \\\"per month\\\" in cashflow?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Recurring outflows, approximately $5,867.51\\\/month (payment + fuel + maintenance\\\/insurance\\\/plate), plus $19,500 at startup (downpayment), and +$70,000 on 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>Summary : TCO (total cost of ownership) = depreciation + fuel + annual costs (maintenance\/insurance\/plate) + interest on financing (in this scenario). Scenario used: Hino L6 at $130,000 (purchase) \u2192 $70,000 (resale), 5 years, 60,000 km\/year, diesel $1.85\/L, average consumption 23 L\/100 km, other costs $18,000\/year, financing 7.99% \/ 60 months with 15% down payment. Depreciation: $12,000\/year (130,000 &#8211; 70,000 \u00f7 5). Fuel: $25,530\/year (13,800 L\/year \u00d7 $1.85). Financing: down payment $19,500, amount financed $110,500, payment \u2248 $2,240.01\/month, total interest \u2248 $23,900.77 over 5 years. Hino L6 TCO result: \u2248 $60,310.15\/year, or \u2248 $1.01\/km, and \u2248 $301,550.77 net over 5 years (after resale.) Monthly recurring cashflow (payment + fuel + annual costs): \u2248 $5,867.51\/month. Major flows: -$19,500 at start (downpayment) and +$70,000 at end (resale). Lever #1: consumption by driving 60,000 km\/year, +1 L\/100 km = $1,110\/year (on diesel at $1.85\/L). What really moves the TCO: fuel consumption, diesel price, resale value, and stability of annual costs (maintenance\/insurance\/plate). Download our free TCO calculator! Keep your free TCO calculator on your device for life. Download our TCO calculator (Total Cost of Ownership) Your first name Your surname Enter your e-mail address Enter your phone number Download the calculator Overview of the TCO calculator you&#8217;re about to get Download our TCO calculator (Total Cost of Ownership) Overview of the TCO calculator you&#8217;re about to get Download the calculator Total Cost of Ownership Hino L6 full calculation + cashflow (5-year scenario \/ 60,000 km\/year) A price on a purchase order doesn&#8217;t say much about a truck&#8217;s profitability. To make an informed decision, it&#8217;s best to look at the Total Cost of Ownership (TCO): everything the vehicle actually costs you over time and kilometers &#8211; depreciation, fuel, maintenance, insurance, registration, financing, and more &#8211; then subtract the resale value at the end of the term. In the category of 6-wheelers around 26,000 lb GVWR, the Hino L6 stands out as a solid choice. Transport (20\/26-foot box, distribution, fleet) or light towing within the limits of a class 5 license, the key factor is not the price, but what the truck represents in terms of cost\/km and monthly cashflow. This is the type of analysis that Groupe National Hino Rive-Sud puts forward to align the truck with your reality: use, budget and operating objectives. In this article, we start with a concrete scenario ( 7.99% financing with 15% down payment) to calculate the TCO of the Hino L6, then show you how to easily adjust the model to your data (annual mileage, fuel consumption, diesel price, resale value, etc.). 1) What exactly is TCO? TCO adds up all the real costs involved in operating the truck: Depreciation (purchase &#8211; resale) Financing (interest, fees) Fuel Preventive maintenance (scheduled services) Repairs\/contingencies Tires\/brakes Insurance + registration\/license Downtime: towing, delays, replacement rentals, loss of opportunity \ud83d\udc49 The right indicator to compare two trucks is generally: $\/km Why it&#8217;s useful Because two trucks can have a similar purchase price&#8230; but cost very differently: one consumes more than the other one retains its value better (and therefore has a higher resale value) one has higher maintenance costs one makes you lose more time in downtime \ud83d\udc49 The TCO allows you to compare &#8220;apples to apples&#8221; and decide with a concrete figure: Annual TCO (budget) TCO per km (profitability \/ operating cost) 2) Scenario assumptions (basic figures) Let&#8217;s take a fairly neutral, standard scenario for the transport industry: Hino L6 (chassis cab only: no equipment) &#8211; Purchase price: $130,000 Resale after 5 years: $70,000 Usage: 60,000 km\/year Horizon: 5 years (300,000 km) Diesel: $1.85\/L Average fuel consumption: 23 L\/100 km Other costs (maintenance + insurance + plate): \u2248 $18,000\/year Financing: 7.99% over 60 months Down payment: 15% or $19,500 Please note taxes (GST\/QST), administration fees, tires, downtime and consumption variations (city\/highway\/load\/ralentiate) are not included here, to keep the model clear and comparable. 3) Hino L6 TCO calculation (step-by-step) A) Annual depreciation D\u00e9preciation = (130 000 $-70 000 $)\/5 years =12 000$\/year \u2705 Depreciation: $12,000\/year B) Annual fuel (23 L\/100 km) with 60,000 km\/year Litres\/year : 60 000\u00d725\/100 = 13 800 L\/year Cost\/year : 13 800\u00d71,85 = 25 530 $\/year \u2705 Fuel: $25,530\/year C) Other annual costs (Approximately $18,000\/year) \u2705 Maintenance + insurance + plate: \u2248 $18,000\/year D) Financing (7.99% over 60 months, 15% down payment) Downpayment: $130,000 \u00d7 15% = $19,500 Amount financed: $130,000 &#8211; 19,500 = $110,500 Monthly payment (60 months): $2,240.01\/month Total interest over 5 years: $23,900.77\u2192 annual average: $4,780.15\/year \u2705 Interest (annual average): $4,780. 15\/year 4) Hino L6 TCO results (final figures) \u2705 Hino L6 annual TCO 12 000 + 25 530 + 18 000 + 4 780,15 = 60 310,15 $\/year \u27a1\ufe0f Annual TCO \u2248 $60,310.15\/year \u2705 Hino L6 TCO per km 60 310,15 $ \/ 60 000 km = 1,0052 $\/km \u27a1\ufe0f TCO \u2248 $1.01\/km \u2705 Net cost over 5 years (after resale) of the Hino L6 60,310.15\/year \u00d7 5 years = 301 550,77 $ \u27a1\ufe0f Net cost 5 years \u2248 $301,551 5) CASHFLOW version: what you actually get out (monthly + yearly) Cashflow is the reality on the ground: how much the truck costs you per month to run. A) Monthly cash flow (months 1 to 60) Financing payment: $2,240.01\/month Fuel + other monthly costs: (25 530$ + 18 000$) \/ 12 months = 3 627,50 $\/mois \u2705 Monthly recurring total: 2 240,01 $+ 3 627,50 $ = 5 867,51 $\/month \u27a1\ufe0f Monthly cashflow \u2248 $5,867.51\/month B) One-off flows Day 0: $19,500 down payment Month 60: resale +$70,000 \u27a1\ufe0f In month 60, you have a net cash flow of approximately: +70,000 &#8211; 5,867.51 = +$64,132.49 C) Annual cash flow (&#8220;management&#8221; view) Each year (1 to 5), you have : Annual payments: $2,240.01 \u00d7 12 \u2248 $26,880.15 Fuel: $25,530 Other costs: $18,000 Annual total \u2248 $70,410.15\/year Year 5: + $70,000 (resale) D) Verification: net cash cost over 5 years Total cash out = down payment + 60 payments + (fuel + other costs \u00d7 5)= $19,500 + $134,400.77 + $217,650= $371,550.77 Resale income = $70,000 \u2705<\/p>\n<div class=\"klb-readmore button\"><a class=\"btn link\" href=\"https:\/\/hinorivesud.com\/en\/total-cost-of-ownership-hino-l6-tco\/\">Read More <i class=\"klbth-icon-right-arrow\"><\/i><\/a><\/div>\n","protected":false},"author":2,"featured_media":11930,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[319],"tags":[],"class_list":["post-11921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-truck"],"acf":[],"_links":{"self":[{"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/posts\/11921","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/comments?post=11921"}],"version-history":[{"count":0,"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/posts\/11921\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/media\/11930"}],"wp:attachment":[{"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/media?parent=11921"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/categories?post=11921"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hinorivesud.com\/en\/wp-json\/wp\/v2\/tags?post=11921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}