Hawaii Car Loan Calculator

Buying a car in Hawaii is not “sticker plus a mainland sales tax,” and it is not Georgia’s Title Ad Valorem Tax. Hawaii does not impose a state retail sales tax on the buyer. Licensed dealers are subject to General Excise Tax at 4 percent of gross proceeds. All four counties currently add a 0.5 percent surcharge on that GET/use-tax base through 31 December 2030. A dealer may visibly pass GET and the surcharge to you. The official maximum visible pass-on in every county is 4.7120 percent. That figure is a ceiling, not a law that the buyer must pay.

This guide explains how a Hawaii auto loan calculator should turn those official rules into a monthly payment. Every dollar, percent, and fee below comes from the Hawaii Department of Taxation, the Hawaii Revised Statutes, the Hawaii Department of Transportation, or the Federal Reserve’s G.19 Consumer Credit release. Industry surveys are not used. If a public agency does not publish a number — including county title fees and weight-tax tables — the calculator leaves it to you. You will see a $38,000 new-car example at the official 60-month bank average of 7.14 percent, a cash-versus-roll comparison, a private-party deal with no GET, and a new-resident import under Form G-27.

What Makes Hawaii Different From Most States

Many shoppers hear “car tax” and reach for a 6 percent sales-tax line, or they copy Georgia’s 7 percent Title Ad Valorem Tax. Hawaii is neither of those systems. HRS chapter 237 taxes the business on its gross proceeds. GET is not a Department of Taxation vehicle use tax that the county collector always assesses on a dealer sale. The buyer sees a GET line only if the dealer chooses to pass it on, and even then the visible rate cannot exceed the official maximum that DOTAX publishes for the county surcharge.

That maximum is 4.7120 percent in all four counties in 2026. It is the pyramided pass-on of 4 percent GET plus the 0.5 percent county surcharge. A dealer may pass on less. A dealer may pass on nothing. Treating 4.7120 percent as a mandatory buyer tax is how people overstate a Hawaii deal.

Important: Hawaii is General Excise Tax and use tax, not Title Ad Valorem Tax and not a 6 percent retail sales tax. Do not copy a Georgia TAVT line of $2,660 onto a $38,000 Hawaii deal, and do not apply 6 percent ($2,280). If a Hawaii dealer visibly passes GET at the official maximum, the pass-on on that price is $1,790.56 (0.04712 × $38,000). If the dealer does not pass GET on, that line is $0.

A second Hawaii rule that surprises people who moved from the mainland is the private-party sale. Casual sales are not GET retail sales. Do not prefill 4.712 percent on a driveway deal. County title and weight tax still apply, but those amounts are set by each county. Hawaii has no statewide DMV. HIDOT points buyers to the county motor-vehicle offices in Honolulu, Maui, Hawaiʻi, and Kauaʻi.

Vehicles brought into the state are a third path. They are subject to use tax of 4 percent of landed value — cost plus freight, insurance, and duty, minus a qualifying trade to a local dealer — under HRS chapter 238, Form G-27, and Tax Information Release 93-3. The county surcharge applies to the same 4 percent base. That is 4.5 percent of landed value, not the 4.7120 percent GET pass-on. Credit for sales or use tax already paid to another state cannot exceed Hawaii use tax (HRS § 238-3(h)).

Cash down does not change GET or use tax. Rolling the tax into the loan finances the tax; it does not change the tax. County weight tax is a registration tax, not GET. A manufacturer rebate follows GET gross-proceeds rules — this guide does not invent a rebate subtraction from GET.

There is no cooling-off period on a dealership purchase. The FTC Cooling-Off Rule does not apply at the lot. Motor vehicle industry licensing is HRS chapter 437. Credit sales are HRS chapter 476. This calculator does not hard-code a late-fee dollar unless the contract and chapter 476 specify it. Lemon Law is HRS chapter 481I. It is a warranty remedy. It does not impose a $2-style statewide titling stamp.

References:

• HRS ch. 237 (GET); ch. 238 (use tax); § 237-8.6 / DOTAX county surcharge
• Hawaii Department of Taxation — General Excise Tax
• DOTAX — County surcharge / 4.7120% pass-on
• Form G-27 (rev. 8/2025); Tax Information Release 93-3

Official Hawaii Fees You Can Rely On (2026)

These costs are published in the Hawaii Revised Statutes and on DOTAX and HIDOT pages. A responsible calculator uses them as defaults. It does not invent an average doc fee, a Honolulu weight-tax dollar, or a combined “sales tax” that pretends Hawaii works like the mainland.

Item	Official amount	Source
GET (dealer)	4% on the business; visible pass-on max 4.7120%	HRS ch. 237; DOTAX county surcharge
County GET surcharge	0.5% (all four counties, through 31 Dec 2030)	DOTAX; already inside 4.7120%
Use tax (imported vehicle)	4% of landed value + 0.5% county surcharge	HRS ch. 238; Form G-27; TIR 93-3
State registration	$46/year	HRS § 249-31
EV road-usage charge	0.8¢/mile, cap $50/year; or $50 in lieu through 30 Jun 2028	HRS § 249-36 (from 1 Jul 2025)
AFV surcharge (not EV)	$50/year from first renewal	HRS § 249-31; excludes EVs in § 249-36(g)
County title / certificate of ownership	User-entered (default $0)	HRS § 286-51; county sets the fee
County weight tax, beautification, plate	User-entered (default $0)	HRS ch. 249; beautification not more than $10
Lemon Law fee	None as a statewide titling add-on	HRS ch. 481I
Dealer documentary fee	No statutory cap; default $0	HRS ch. 437

The $46 state registration is the one statewide dollar that belongs in a first-year loan estimate. County title and weight tax are real, and they are often large, but they are ordinance amounts. There is no official statewide title fee to prefill. HIDOT’s motor-vehicle registration page exists to send you to the four county offices, not to publish a single table.

Highway beautification, when a county charges it, is not more than $10 (HRS § 286-51). Safety-check prices are omitted on purpose. Documentary fees have no statutory cap in HRS chapter 437, so the calculator defaults the doc fee to $0 and lets you type the figure on your buyer’s order. If the dealer charges it, it is part of GET gross proceeds.

References:

• HRS §§ 249-31, 249-36, 286-41, 286-51; ch. 249; ch. 437; ch. 481I
• HIDOT — Motor vehicle registration (county offices; no statewide DMV)

How Hawaii GET and Use Tax Work by Purchase Channel

The 4.7120 percent figure does not apply to every car. What changes is the tax path — GET pass-on on a dealer sale, nothing on a casual sale, or use tax on an import. The calculator’s purchase-channel dropdown is how you tell it which statute path you are on.

Hawaii dealer (new or used)

On a licensed dealer sale the business pays GET at 4 percent of gross proceeds, plus the 0.5 percent county surcharge. If the dealer visibly passes that tax on, the buyer sees at most 4.7120 percent of the GET base. A documented trade allowance follows GET gross-receipts rules and reduces the pass-on base. Cash down is ignored for tax. A manufacturer rebate is not subtracted just because a mainland sales-tax state would subtract it. Rolling GET into the loan does not change GET; it only changes how you pay it.

Example 1: New Hawaii dealer, official maximum pass-on, no trade

Scenario: A Honolulu-area franchise dealer sells a $38,000 new car. Extra doc is $0. No trade, no rebate. The dealer visibly passes GET at the official maximum 4.7120 percent.

GET / pass-on base: $38,000.00 Official maximum pass-on (4.7120%): $38,000 × 0.04712 = $1,790.56 This is not 6% sales tax ($2,280) and not Georgia TAVT ($2,660). If the dealer does not pass GET on: $0.00

That $1,790.56 is the official-maximum GET line on this price. It does not shrink because the buyer plans to put $3,800 down. Enter 0 percent in the calculator if your buyer’s order has no GET pass-on.

Example 2: Used Hawaii dealer, documented $3,000 trade

Scenario: A used-car dealer sells an $18,500 car and takes a $3,000 vehicle in trade, with the allowance documented on the deal. GET is passed on at 4.7120 percent. Extra doc is $0.

Price: $18,500.00 Documented trade allowance: −$3,000.00 GET pass-on base: $15,500.00 GET pass-on at 4.7120%: $15,500 × 0.04712 = $730.36

The trade reduced the GET base because it is a documented allowance against the dealer’s gross receipts. The same $3,000 “trade” on a private-party driveway sale would not create a GET line at all, as the next examples show.

Private-party and casual sales

Casual sales are not GET retail sales. Do not apply 4.712 percent. The seller is not a GET retailer on that driveway deal. You still title and register with the county. County title and weight tax are user-entered because the counties set them. If the car was imported, you are no longer on the casual-GET path — you are on use tax, unless a Form G-27 exemption fits.

Example 3: Driveway sale, Hawaii car, no import

Scenario: Two private parties on Oʻahu agree on $18,500. The car is already in Hawaii. No dealer.

Reported price: $18,500.00 GET on a casual seller: $0.00 Do not apply 4.7120% × $18,500 = $871.72. County title + weight tax: you enter (default $0) State registration: $46.00 There is no official used-car APR.

Notice there is no GET. A calculator that pastes 4.7120 percent onto a casual sale is inventing a tax Hawaii does not assess on that seller.

Example 4: Same $18,500 car, but it was imported

Scenario: You bought the car on the mainland and shipped it. Landed value (cost + freight + insurance + duty) is $18,500. No G-27 exemption. No credit for tax paid elsewhere.

Landed value: $18,500.00 Use tax 4%: $18,500 × 0.04 = $740.00 County surcharge 0.5%: $18,500 × 0.005 = $92.50 Hawaii use tax due: $832.50 (This is 4.5% of landed value, not 4.7120%.)

Use tax is on landed value. It is not the dealer GET pass-on. Proof of use-tax payment or exemption is required to register a current, prior, or subsequent-year model bought out of state (HRS § 286-41(d); § 238-9.5).

New residents and mainland purchases

Form G-27 (revised August 2025) lists the exemptions: bona fide nonresident acquisition with actual substantial use outside Hawaii; gift (Form G-27A); casual sale; and temporary use, generally 365 days or less. If you acquired the car less than three months before import, it is presumed acquired for Hawaii use unless you prove otherwise. Shipping and storage time are excluded from that three-month clock.

A current Hawaii resident who buys on the mainland and imports does not get that three-month new-resident exemption. Use tax is on landed value, minus credit for tax paid to the other state, not to exceed Hawaii use tax.

Example 5: New resident who already used the car on the mainland

Scenario: You bought and used the car as a bona fide nonresident, not within the three-month presumption. You file Form G-27 for the exemption.

Use tax (G-27 exemption): $0.00 State registration: $46.00 County title + weight tax: you enter You still register with the county. Proof of exemption is required to title.

The exemption wipes use tax. It does not wipe the $46 state registration or the county’s title and weight tax.

Example 6: Current Hawaii resident buys a $38,000 car on the mainland

Scenario: You live in Hawaiʻi County, fly to the mainland, buy a $38,000 car, and ship it. Landed value is $38,000. You paid $2,280 of sales tax in the other state and have the receipts. The three-month new-resident exemption does not apply.

Use tax 4% of $38,000: $1,520.00 County surcharge 0.5%: $190.00 Hawaii use tax before credit: $1,710.00 Credit for like tax paid (capped): −$1,710.00 (your $2,280 cannot exceed Hawaii use tax) Hawaii use tax due: $0.00 State registration: $46.00

HRS § 238-3(h) caps the credit at Hawaii use tax. Extra tax you paid on the mainland does not generate a refund through this calculator. You still owe Hawaii registration and county fees.

References:

• HRS ch. 237 (dealer GET); ch. 238 (use tax); § 238-3(h) (credit cap); § 238-9.5; § 286-41(d)
• Form G-27 (rev. 8/2025); Form G-27A (gift); TIR 93-3 (landed value; trade to a local dealer)
• DOTAX county surcharge page — 4.7120% maximum visible pass-on, all four counties through 31 December 2030

State Registration, County Fees, and Electric Vehicles

After tax comes the part Hawaii does not centralize. State registration under HRS § 249-31 is $46 per year. That is the official statewide figure. Everything else at the counter is county business.

No statewide DMV

HIDOT does not run a single motor-vehicle office. Honolulu, Maui, Hawaiʻi, and Kauaʻi each set the certificate-of-ownership (title) fee under HRS § 286-51 and the weight tax under HRS chapter 249. A calculator that prints one “Hawaii title fee” is guessing. The honest default is $0, with a blank for you to type the county amount from your motor-vehicle office.

Example 7: Statewide pieces only

Scenario: The $38,000 dealer deal. You have not yet looked up county weight tax or title. Extra doc is $0.

GET pass-on (4.7120% of $38,000): $1,790.56 State registration: $46.00 County title (not yet entered): $0.00 County weight tax (not yet entered): $0.00 Known official add-ons: $1,836.56

Add your county title and weight tax on top. They are real. They are often large. They are not in this statewide total because the State does not publish one number for all four counties.

Example 8: Same deal after you type county amounts

Scenario: You call the county office and learn your title fee and weight tax for this vehicle. You type those figures into the calculator. This guide does not invent a Honolulu, Maui, Hawaiʻi, or Kauaʻi dollar, so the illustration uses letters.

GET pass-on: $1,790.56 State registration: $46.00 County title (you entered): T County weight tax (you entered): W Beautification (not more than $10): B Registration subtotal: $46 + T + W + B

Beautification, if charged, is capped at $10 by statute. Plate and other county add-ons are the same idea: user-entered, default $0.

Electric and alternative-fuel vehicles

From 1 July 2025, HRS § 249-36 puts battery electric vehicles on a mileage-based road-usage charge: 0.8 cents per mile, floor $0, cap $50 per year. Through 30 June 2028 the State also offers a $50 in-lieu surcharge. The first renewal of a new EV that has no inspection is $50. That is an ownership and renewal cost. It is not a first-title add-on and it is not part of the monthly loan payment.

Alternative-fuel vehicles that are not EVs pay a $50 surcharge from the first renewal under HRS § 249-31. The post-1 July 2025 text excludes EVs defined in § 249-36(g). Do not use the older “EV and AFV both pay $50” rule without reading the current statute. If the car is an EV, the AFV surcharge does not stack.

Example 9: New EV, no miles entered

Scenario: You buy a new electric car. You have not logged miles yet. The calculator shows the statutory in-lieu / first-renewal-with-no-inspection amount.

EV road-usage / in-lieu: $50.00 / year Not added to amount financed. Not added to cash due at signing. Shown as an ownership note only.

You will pay this at renewal (or as the in-lieu surcharge through 30 June 2028), not as a GET substitute.

Example 10: EV with 2,000 miles versus 8,000 miles

Scenario: You enter annual miles so the 0.8-cent rate can run. The cap is still $50.

2,000 miles × $0.008 = $16.00 8,000 miles × $0.008 = $64.00 → cap at $50 = $50.00 AFV $50 does not apply to this EV (HRS § 249-31 excludes § 249-36(g) EVs).

Low-mileage EVs can owe less than $50 if they use the mileage method. High-mileage EVs stop at $50. The loan payment does not change in either case.

References:

• HRS § 249-31 (state registration $46; AFV surcharge from first renewal, excluding EVs)
• HRS § 249-36 (EV road-usage charge from 1 July 2025; $50 in-lieu through 30 June 2028)
• HRS § 286-51 (county title fee; beautification not more than $10)
• HIDOT motor-vehicle registration page — four county offices, no statewide DMV

How the Hawaii Auto Loan Calculator Turns These Rules Into a Payment

Tax and fees are only half of the estimate. The other half is ordinary loan math. There is no Hawaii statewide official APR series. The official U.S. series is the Federal Reserve G.19 Consumer Credit release. The current release used in this guide (7 August 2026) prints a commercial-bank 60-month new-car average of 7.14 percent for the second quarter of 2026. Bank rates in G.19 are unweighted averages of each bank’s most common rate in the first calendar week of the middle month of the quarter. They are not origination-weighted and they are not Hawaii-specific.

G.19 also prints a 72-month new-car bank rate of 6.97 percent for the same quarter. Do not treat that lower print as proof that longer terms are cheaper — it is the banks’ “most common” quoted mix, not a term premium. G.19 does not publish a used-car APR. If you leave 7.14 percent on a used car, label it as the official new-car bank rate. There are no FICO presets.

The calculator amortizes at the rate you type. Treat that rate as a nominal annual rate, compounded monthly. Monthly rate i equals the annual rate divided by 12. For amount financed P over n months, the payment is the standard formula: P times i(1+i)ⁿ divided by (1+i)ⁿ minus 1. If the rate is zero, the payment is P divided by n. Each payment is rounded half-up to cents. The last payment clears the leftover balance. Totals come from that schedule. This is an estimate, not a Regulation Z APR solution and not a lender offer.

Amount financed is roughly selling price minus down minus trade plus trade payoff minus rebate, plus any GET or use tax you roll, plus any registration fees you roll, plus financed GAP and warranty. Cash due is down plus any tax and fees you do not roll. GAP and warranty, if financed, add to principal. They are not a substitute for GET.

1. Choose the purchase channel, then enter price, down, trade, payoff, rebate, and doc fee (doc defaults to $0).
2. On a dealer channel, GET pass-on prefills at 4.7120 percent — change it or zero it to match the buyer’s order. On an import channel, enter landed value, any out-of-state tax credit, and check Form G-27 only when that exemption applies.
3. Enter county title, weight tax, and beautification (leave $0 until you have them). Decide whether to roll GET/use tax and the $46 state registration.
4. Keep or replace the 7.14 percent G.19 prefill and the 60-month term. Do not treat 84 months as official. Read monthly payment, cash due, and totals.

Important: H.15 effective federal funds (3.63 percent, 21–27 August 2026) and bank prime (6.75 percent) are official context, not defaults. The default APR is G.19’s 7.14 percent 60-month new-car bank average.

References:

• Federal Reserve G.19 Consumer Credit (7 August 2026 release; June / Q2 2026 data)
• Federal Reserve H.15 — selected interest rates
• FRED series RIELPCFANNM — finance-company new-car interest rate

Complete $38,000 Worked Examples (Official G.19 Rate)

The Hawaii brief’s headline deal is a new Hawaii dealer car at $38,000, 10 percent down, 60 months, and the official 7.14 percent G.19 rate. Extra doc is $0. No trade, rebate, GAP, or warranty. GET is visibly passed on at 4.7120 percent. County title and weight tax are $0 in the printout because they are user-entered. State registration is $46. Payments are rounded half-up to cents. The last payment clears the residual.

Example A — GET pass-on and $46 rolled into the loan

End-to-end: $38,000, 10% down, tax and state registration financed

Scenario: New Hawaii dealer. You put $3,800 down. You ask the lender to finance the GET pass-on and the $46 state registration.

Vehicle price: $38,000.00 Cash down (10%): −$3,800.00 GET pass-on (4.7120% × $38,000): +$1,790.56 State registration: +$46.00 Amount financed P: $36,036.56 APR (G.19 60-month new-car bank): 7.14% Term: 60 months Monthly payment (half-up to cents): $715.95 Cash due at signing: $3,800.00 Total of payments: $42,956.96 Total interest: $6,920.40

The monthly figure is $715.95, not a Georgia TAVT payment built on $2,660 of tax. Add county weight tax and title when you have them. Those extras, if rolled, raise amount financed and the payment; if paid cash, they raise cash due.

Example B — Same deal, GET and $46 paid in cash

End-to-end: same $38,000 car, tax and registration at signing

Scenario: Identical price, down payment, APR, and term. You pay GET and the $46 state registration in cash instead of rolling them.

Amount financed P: $34,200.00 ($38,000 − $3,800) Monthly payment: $679.46 GET + state registration at signing: $1,836.56 Cash due ($3,800 + $1,836.56): $5,636.56 Total of payments: $40,767.75 Total interest: $6,567.75 Rolling versus cash: Extra interest if you roll: $352.65 Less cash at signing if you roll: $1,836.56

Rolling GET is a financing choice. It does not change the $1,790.56 tax. It costs $352.65 of extra interest over 60 months and saves $1,836.56 of cash on signing day. Neither path is a Regulation Z quote. Your lender’s contract controls.

Common Questions

Is 4.7120 percent a sales tax I must pay? No. GET is a tax on the business. 4.7120 percent is the official maximum visible pass-on in all four counties. The dealer may pass on less or nothing. Casual sales are not GET retail sales.

Why didn’t you put a Honolulu weight tax in the payment? Because Hawaii has no statewide DMV and no official statewide weight-tax dollar. Counties set those tables by ordinance (HRS ch. 249). Inventing a Honolulu number would violate the official-figures rule. Type your county amount.

I am moving from the mainland. Do I get a cheaper new-resident rate? Hawaii does not publish a reduced new-resident percentage the way some title-tax states do. If you qualify for a Form G-27 exemption (bona fide nonresident use outside Hawaii, and not trapped by the three-month presumption), use tax is zero. If you do not, use tax is 4 percent of landed value plus the 0.5 percent surcharge, minus credit for tax already paid. A current Hawaii resident who buys on the mainland does not use the three-month exemption.

Does a manufacturer rebate shrink GET? This calculator follows GET gross-proceeds rules and does not invent a rebate subtraction. The rebate still reduces amount financed. Cash down never changes GET or use tax.

Should I use 84 months because some lenders advertise it? No. Sixty months is the chip that matches the G.19 series this default comes from. Enter any term your lender offers. Do not treat 84 as official.

Lemon law, GAP, cooling-off? HRS chapter 481I is a warranty statute, not a title stamp. Financed GAP and warranty add to principal. There is no cooling-off period on a lot purchase.

Where These Numbers Come From

Every default in the Hawaii auto loan calculator is taken from a government source as of 29 August 2026. GET and the county surcharge come from HRS chapter 237 and the DOTAX county surcharge page. Use tax, landed value, and the out-of-state credit come from HRS chapter 238, Form G-27 (revised August 2025), and TIR 93-3. State registration and the AFV / EV rules come from HRS §§ 249-31 and 249-36. County title authority is HRS § 286-51. HIDOT confirms there is no statewide DMV. The APR prefill is Federal Reserve G.19, 7 August 2026 release, 60-month new-car commercial-bank average for the second quarter of 2026.

County weight-tax tables, county title dollars, safety-check prices, dealer doc fees, and used-car APRs are left blank on purpose. When a figure is not official, the calculator does not pretend it is.

Conclusion

A Hawaii auto loan estimate has three official layers and one honest blank: GET or use tax (4.7120 percent maximum dealer pass-on, $0 on a casual sale, or 4 percent of landed value plus 0.5 percent on an import); the statewide $46 registration; the G.19 7.14 percent 60-month new-car bank average (replace it with your lender quote); and county title and weight tax, which no statewide table can fill in.

On the $38,000 new-dealer example, GET at the official maximum is $1,790.56. With 10 percent down, $46 of state registration, and a 60-month note at 7.14 percent, the payment is $715.95 a month if GET and registration are rolled, or $679.46 a month if you pay those items in cash. That is the official-figures result. It is not Georgia TAVT, not 6 percent sales tax, and not a lender offer.

Use the calculator to compare channels and to see what rolling GET costs in interest. Then confirm GET on the buyer’s order, G-27 or use tax with DOTAX, title and weight tax with your county office, and the APR with your lender.

Complete Reference List

Hawaii statutes and tax forms

• Hawaii Revised Statutes ch. 237 — General Excise Tax
• Hawaii Revised Statutes ch. 238 — Use tax; § 238-3(h) credit; § 238-9.5
• HRS § 237-8.6 / DOTAX county surcharge (0.5% through 31 December 2030; 4.7120% maximum pass-on)
• HRS § 249-31 — state registration $46; AFV surcharge from first renewal
• HRS § 249-36 — EV road-usage charge (from 1 July 2025)
• HRS §§ 286-41, 286-51 — registration; county title fee; beautification cap
• HRS ch. 437 — motor vehicle industry licensing (no statutory doc-fee cap)
• HRS ch. 476 — credit sales
• HRS ch. 481I — Lemon Law (no statewide titling add-on)
• Form G-27 (rev. 8/2025); Form G-27A; Tax Information Release 93-3

Hawaii agencies

• Hawaii Department of Taxation — General Excise Tax
• DOTAX — County surcharge
• HIDOT — Motor vehicle registration (Honolulu / Maui / Hawaiʻi / Kauaʻi offices)

Federal Reserve

• G.19 Consumer Credit — 7 August 2026 release; 60-month new-car bank average 7.14% (Q2 2026); 72-month 6.97%
• H.15 Selected Interest Rates — effective federal funds 3.63% (21–27 August 2026); bank prime 6.75%
• FRED RIELPCFANNM — finance-company new-car rate

This article and the matching calculator are estimates for education. They are not a Truth in Lending Act disclosure, not a Regulation Z APR solution, and not an offer to lend. Confirm GET pass-on with the dealer, use tax or Form G-27 with the Hawaii Department of Taxation, title and weight tax with your county motor-vehicle office, and the contract APR with your lender. Official figures accessed 29 August 2026. VehicleTaxCalculator.com.