EV vs Gas Total Cost Calculator
Compare EV and gas vehicle cost over multiple years using energy, fuel, maintenance, insurance, purchase price, and rebates.
Last updated: 2026-03-26
Compare EV and gas ownership cost
Enter your values
Enter purchase, energy, fuel, maintenance, and insurance assumptions for both vehicles.
Lower-cost option
--
Enter both vehicle profiles to see which one is cheaper over your comparison period and why.
Calculation History(0)
Example calculations
Tap an example to prefill the calculator with sample values.
Commute-heavy crossover
Five-year comparison with standard utility rates
A simple total-cost comparison where cheaper energy and maintenance offset part of the EV's higher upfront cost.
Result: The operating savings add up gradually, so the upfront purchase gap still matters a lot.
High-mileage driver
More miles make energy-cost differences matter faster
The more you drive, the more an efficient EV can offset its upfront premium through operating savings.
Result: Higher mileage is where EV operating economics usually start getting more persuasive.
Low-mileage suburban use
Fewer miles make upfront cost harder to recover
When annual driving is modest, the operating-cost delta has less time to work in the EV's favor.
Result: If you do not drive much, the purchase-price difference tends to dominate the comparison.
How the EV versus gas comparison works
The calculator estimates total miles over the comparison window, then computes EV energy cost from kWh per 100 miles and your electricity rate, and gas cost from MPG and price per gallon.
It then adds annual maintenance and insurance for each vehicle, plus the net purchase price after any EV credit or rebate. The result is a cash-outlay comparison over the years you choose, along with a rough break-even estimate based on annual operating savings.
EV vs gas FAQs
Use the model to see whether cheaper operating cost is enough to offset a higher purchase price.
Why compare purchase cost separately from operating cost?
Because many EVs cost more upfront but can cost less to run. Breaking those apart shows whether the operating savings are big enough to recover the purchase gap over your ownership window.
Does this include depreciation?
No. This version focuses on cash outlay rather than resale value. If you want to factor in vehicle value loss, pair this result with the car depreciation calculator.
What counts as EV maintenance here?
Typical recurring maintenance such as tires, alignments, cabin filters, brake service, and routine inspections. It usually excludes surprise repairs or battery replacement scenarios.
Embed this calculator
Copy the code below to embed this calculator on your website or blog. It's free — no API key needed.
<iframe src="https://calc.mintloop.dev/embed/daily/ev-vs-gas-total-cost-calculator" width="100%" height="600" frameborder="0" title="EV vs Gas Total Cost Calculator" loading="lazy"> </iframe>
Optional: auto-resize script
<script>
var CALC_HUB_ORIGIN = 'https://calc.mintloop.dev';
window.addEventListener('message', function(e) {
if (e.origin !== CALC_HUB_ORIGIN) return;
if (!e.data || e.data.type !== 'calc-hub-resize') return;
var frames = document.querySelectorAll('iframe[src*="calc.mintloop.dev"]');
frames.forEach(function(f) {
if (f.contentWindow === e.source) {
f.style.height = String(Math.max(0, Number(e.data.height) || 0)) + 'px';
}
});
});
</script> Related tools
Pair total-cost comparisons with nearby vehicle-finance and energy calculators.
Get more vehicle ownership calculators
Join the Calc Hub newsletter for new calculators covering road trips, vehicle cost, home energy, and household budgeting.
Join the Calc Hub newsletterWas this calculator helpful?
Your feedback helps us improve future calculators.