Cars that are expensive to run, have a poor reliability record, or have many newer competitors often lose value faster. Check listings for the exact make and model.

Yes. Higher mileage usually lowers the value, so a car driven a lot can lose value faster than the average rate.

No. Many cars lose more value early on, then the yearly loss slows. A steady rate is a simplification.

Not in this calculator. Cars can hold value or gain it for rare models, but the calculator accepts only a rate from zero up.

If you plan to sell or trade in the car, the value at that time is what you can get back. It is part of the cost of owning the car.