Split monochrome and color printed sides and enter supplies-only CPP for each. Paper and purchase-price allocation appear separately, making ownership easier to review.
Formula and example
Monthly cash estimate = mono sides × mono CPP + color sides × color CPP + total sides ÷ average sides per sheet × sheet cost + other monthly costs. Ownership adds printer price ÷ ownership months. Hypothetical 100 mono sides at $0.02, 20 color sides at $0.08 and $0.01 simplex paper give $4.80 per month before purchase allocation. Allocating a $200 purchase over 36 months gives about $10.36 including that allocation.
Budget is different from billing
The monthly figure smooths usage. Supplies are bought in whole packs and printer payment normally occurs upfront. The tool does not predict the month a cartridge runs out. Do not count paper twice by using a paper-inclusive CPP. Add known subscription or other monthly charges only when they apply to the scenario.
The model assumes the entered average workload and side-to-sheet ratio. It excludes unexpected repairs, price changes and cleaning losses unless your inputs already account for them. Use low and high workload scenarios and save the assumptions with any reported estimate.