diff --git a/calc.py b/calc.py
index d425333..2ba2104 100644
--- a/calc.py
+++ b/calc.py
@@ -205,7 +205,7 @@ def calculate_savings_depletion(finance):
                     current_savings -= ioniq6_rego
                     add_annotation(finance, current_date, current_savings, -ioniq6_rego, "IONIQ 6 rego" )
             # if we buy car outright, then as long as this anniversary is after buyout date, pay ins and rego
-            elif current_date.year > car_buyout_date.year:
+            elif current_date.year >= car_buyout_date.year:
                 current_savings -= (ioniq6_ins + ioniq6_rego)
                 add_annotation(finance, current_date, current_savings, -(ioniq6_ins+ioniq6_rego), "IONIQ 6 ins/rego" )