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Gas vs Electric Cost & Payback
Annual Savings
Monthly Savings: +$163 · Payback Period: 4.1 yr
Monthly Impact
+$163
Annual result divided into monthly cash flow.
Payback Period
4.1 yr
Years needed to recover the EV purchase premium.
Emissions Avoided
2.00 t CO2
Annual tailpipe-to-grid CO2 difference.
Net After Premium
+$1,788
5 yr ownership window
Annual Cost Comparison
Annual Emissions Comparison
Drop in a paystub, bank statement or screenshot — the AI reads it and fills these fields for you.
Expenses Tracker is where this stops being a one-off number: keep your real balances there and the projection updates itself.
Describe an invoice and the AI writes it. PDF without watermarks, free.
A useful EV comparison separates annual energy cost, maintenance, ownership horizon, purchase premium, and grid emissions. The U.S. DOE/EPA FuelEconomy.gov EV guide is a solid reference for efficiency and EV basics, while this calculator turns those assumptions into annual savings and long-term net after any EV price premium.
Use real-world MPG or L/100km for the gas car and observed kWh/100km or miles/kWh for the EV whenever possible.
Home charging, public fast charging, and time-of-use plans can produce very different electricity costs.
Try higher electricity rates, lower annual mileage, and a larger EV premium before treating savings as locked in.
If the EV wins annually but not over your ownership window, the purchase premium is probably the constraint, not charging cost.