Free · transparent · no sign-up

Your motorcycle budget,
finally under control.

Whether you're planning a purchase or already riding — Clutchr calculates your complete budget, optimises your insurance and identifies where you can save. In 5 minutes.

Calculate my budget →See an example

France & Denmark · Owners & buyers · No sign-up

Your ideal bike
Honda CB500F
471cc · 55,900kr · accessible
1,478kr
/mo
Yamaha MT-07
689cc · 62,000kr
1,910kr
/mo
Kawasaki Z400
399cc · 44,800kr
1,283kr
/mo
✓
Budget
On track ✓
🛡
Insurance
~3,900kr/yr
↓
You save
-2,500kr/yr
✓280 models referenced
✓Owners & buyers
✓Result in 5 minutes
✓100% free
How it works

3 steps, 5 minutes

No account. No data stored. Instant result.

01
You describe your situation
Age, licence, mileage, postcode — or simply the model you already own. 2 minutes.
02
You enter your bike
280 models available. New purchase, used, or a bike you already own. We adapt.
03
We optimise everything
Full budget, optimised insurance, financing and saving opportunities identified.

Clutchr is 100% free. We earn money only if you click on one of our partner offers — insurance, financing, gear. It never changes the price you pay. That's our model, and we own it.

What we calculate

Your complete motorcycle budget, line by line

Beyond the purchase price, here's everything Clutchr calculates for you.

Motorcycle insurance
Estimated for your profile · Best market offers
Purchase price
New or used · Retail or market price
Registration
Based on your region and engine size
Maintenance
Services, tyres, chain · Adjusted by brand
Motorcycle loan
True cost of financing · Monthly payment calculated
Fuel
Based on your mileage · Pump price included
Parking
Calculated from your postcode
Gear
Helmet, jacket, gloves · 3 levels
Technical inspection
2025 regulations · Amortised annually
Clutchr is made for you

Whatever your profile

🎓
The future rider
You're planning your first purchase — or weighing up several models. We calculate the real cost, not just the sticker price.
Simulate my purchase →
🔧
The owner who wants to cut costs
You already have a bike. But do you know what it really costs you each month? We calculate it and identify where you can save.
Analyse my current bike →
📊
The one comparing models
CB500F or MT-07? New or used? Clutchr compares the total cost of each option.
Compare models →
The complete guide

What does a motorcycle really cost in 2025?

The purchase price is just the beginning

When thinking about a motorcycle budget, we instinctively think of the dealer price. Yet the total cost of ownership goes well beyond that. A new Honda CB500F at €7,490 actually represents an annual budget of around €2,500 when you include insurance, maintenance, fuel, registration and mandatory gear.

Finding the cheapest motorcycle insurance

Motorcycle insurance is often the biggest cost after purchase. For a new rider with a recent A2 licence, 125cc insurance can cost between €600 and €900 per year. For an experienced rider over 25 on a 500cc, the best offers often drop below €500 per year.

Financing your motorcycle: loan or cash?

A motorcycle loan is common for first-time buyers. Over 36 months at 7%, a €7,500 bike means a monthly payment of around €230 — a total credit cost of around €780. Clutchr integrates this calculation directly into your overall budget.

Motorcycle maintenance: how much per year?

Budget around €300 to €400 per year for an accessible Japanese bike like the Honda CB500 or Kawasaki Z400. For a premium bike like a BMW or Ducati, this easily rises to €800 to €1,200 per year.

Already own a bike? Calculate your real ownership cost

Most riders know what they paid for their motorcycle — but few know what it really costs them each month. Between insurance (often renegotiable), maintenance (which rises as the bike ages), urban parking and fuel, the true ownership cost can exceed the intuitively expected figure by 40 to 60%. Clutchr lets owners calculate this cost in 5 minutes and identify where concrete savings are possible — primarily on insurance, which can vary by a factor of two for the same profile depending on the insurer.

Registration: a cost often forgotten

Vehicle registration is often underestimated on a first purchase. Its cost depends on the fiscal horsepower of the bike and your region's rate — varying from a few euros to several hundred depending on the region.

Frequently asked questions

Everything you want to know

How much does a motorcycle cost per month?
Between €150 and €250 per month all-in for an entry-level bike. Clutchr calculates this precisely based on your situation.
What is the cheapest motorcycle insurance for a new rider?
Prices range from €400 to over €1,000 per year depending on engine size. Clutchr estimates your profile and directs you to the best offers.
What budget should I plan for my first motorcycle purchase?
Plan €1,000 to €2,000 more than the bike price for registration, gear and first insurance.
Is Clutchr really free?
Yes, 100% free. We only earn if you click a partner offer and subscribe. It never changes the price you pay.
I already own a bike — is Clutchr useful for me?
Yes. Clutchr has an owner mode that calculates your monthly and annual ownership cost. Enter your model, mileage and postcode — we show you what you're actually spending and where you can save.
How can I reduce my motorcycle insurance?
Several levers: increase the excess, switch to third-party fire and theft if your bike is over 5 years old, or simply compare offers — differences can be significant for the same profile. Clutchr estimates your profile and directs you to the best available offers.

Ready to take control of your motorcycle budget?

Whether you're planning a purchase or already riding — the calculation takes just 5 minutes.

Calculate my budget →