Total Cost of Ownership neboli celkové náklady vlastnictví, je pojem, který se používá k vyjádření všech nákladů spojených s vlastnictvím určitého produktu nebo služby. TCO zahrnuje nejen počáteční náklady na pořízení, ale také všechny další náklady, které vzniknou během životního cyklu produktu nebo služby.
TCO je důležitým nástrojem pro rozhodování, protože umožňuje porovnat skutečné náklady různých možností a pomáhá identifikovat nejvýhodnější volbu z dlouhodobého hlediska.
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