{"id":672,"date":"2026-05-31T20:16:44","date_gmt":"2026-05-31T18:16:44","guid":{"rendered":"https:\/\/e-car.day\/?page_id=672"},"modified":"2026-05-31T20:16:45","modified_gmt":"2026-05-31T18:16:45","slug":"ev-loan-vs-fuel-savings-calculator","status":"publish","type":"page","link":"https:\/\/e-car.day\/?page_id=672","title":{"rendered":"EV Loan vs Fuel Savings Calculator"},"content":{"rendered":"\n<div class=\"eco-tool wp-block-group\" id=\"ev-loan-calc-m93x\">\n  <div class=\"eco-tool__header\">\n    <h2 class=\"eco-tool__title\">EV Loan vs Fuel Savings Calculator<\/h2>\n    <p class=\"eco-tool__lead\">\n      Estimate whether monthly fuel and maintenance savings can offset your electric vehicle loan payment.\n    <\/p>\n  <\/div>\n\n  <form class=\"eco-tool__form\" id=\"ev-loan-form-m93x\" novalidate>\n    <div class=\"eco-tool__grid3\">\n\n      <div class=\"eco-tool__field\">\n        <label class=\"eco-tool__label\" for=\"loan-payment-m93x\">EV monthly<br>payment ($)<\/label>\n        <input class=\"eco-tool__input\" id=\"loan-payment-m93x\" type=\"number\" min=\"0\" step=\"10\" value=\"520\" inputmode=\"decimal\">\n        <div class=\"eco-tool__hint\">Monthly EV loan or lease payment.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__field\">\n        <label class=\"eco-tool__label\" for=\"loan-distance-m93x\">Monthly distance<br>(km)<\/label>\n        <input class=\"eco-tool__input\" id=\"loan-distance-m93x\" type=\"number\" min=\"1\" step=\"100\" value=\"1200\" inputmode=\"numeric\">\n        <div class=\"eco-tool__hint\">How far you drive each month.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__field\">\n        <label class=\"eco-tool__label\" for=\"loan-evcons-m93x\">EV consumption<br>(kWh\/100 km)<\/label>\n        <input class=\"eco-tool__input\" id=\"loan-evcons-m93x\" type=\"number\" min=\"1\" step=\"0.1\" value=\"18\" inputmode=\"decimal\">\n        <div class=\"eco-tool__hint\">Typical EVs use 15\u201322 kWh\/100 km.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__field\">\n        <label class=\"eco-tool__label\" for=\"loan-elecprice-m93x\">Electricity price<br>($\/kWh)<\/label>\n        <input class=\"eco-tool__input\" id=\"loan-elecprice-m93x\" type=\"number\" min=\"0\" step=\"0.01\" value=\"0.15\" inputmode=\"decimal\">\n        <div class=\"eco-tool__hint\">Your home or charging electricity price.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__field\">\n        <label class=\"eco-tool__label\" for=\"loan-gascons-m93x\">Gas consumption<br>(L\/100 km)<\/label>\n        <input class=\"eco-tool__input\" id=\"loan-gascons-m93x\" type=\"number\" min=\"1\" step=\"0.1\" value=\"7.5\" inputmode=\"decimal\">\n        <div class=\"eco-tool__hint\">Comparable gasoline car consumption.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__field\">\n        <label class=\"eco-tool__label\" for=\"loan-gasprice-m93x\">Gas price<br>($\/L)<\/label>\n        <input class=\"eco-tool__input\" id=\"loan-gasprice-m93x\" type=\"number\" min=\"0\" step=\"0.01\" value=\"1.60\" inputmode=\"decimal\">\n        <div class=\"eco-tool__hint\">Local gasoline price per liter.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__field\">\n        <label class=\"eco-tool__label\" for=\"loan-evmaint-m93x\">EV maintenance<br>($\/month)<\/label>\n        <input class=\"eco-tool__input\" id=\"loan-evmaint-m93x\" type=\"number\" min=\"0\" step=\"5\" value=\"25\" inputmode=\"decimal\">\n        <div class=\"eco-tool__hint\">Estimated monthly EV maintenance.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__field\">\n        <label class=\"eco-tool__label\" for=\"loan-gasmaint-m93x\">Gas maintenance<br>($\/month)<\/label>\n        <input class=\"eco-tool__input\" id=\"loan-gasmaint-m93x\" type=\"number\" min=\"0\" step=\"5\" value=\"70\" inputmode=\"decimal\">\n        <div class=\"eco-tool__hint\">Estimated monthly gas car maintenance.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__field\">\n        <label class=\"eco-tool__label\" for=\"loan-years-m93x\">Ownership period<br>(years)<\/label>\n        <input class=\"eco-tool__input\" id=\"loan-years-m93x\" type=\"number\" min=\"1\" max=\"20\" step=\"1\" value=\"5\" inputmode=\"numeric\">\n        <div class=\"eco-tool__hint\">Used for long-term result estimate.<\/div>\n      <\/div>\n\n    <\/div>\n\n    <div class=\"eco-tool__actions\">\n      <button type=\"button\" class=\"wp-element-button eco-tool__btn\" id=\"loan-calc-btn-m93x\">Calculate<\/button>\n      <button type=\"button\" class=\"wp-element-button eco-tool__btn eco-tool__btn--ghost\" id=\"loan-reset-btn-m93x\">Reset<\/button>\n      <div class=\"eco-tool__error\" id=\"loan-error-m93x\"><\/div>\n    <\/div>\n  <\/form>\n\n  <div class=\"eco-tool__result\" id=\"loan-result-m93x\" hidden>\n    <h3 class=\"eco-tool__subtitle\">Result<\/h3>\n\n    <div class=\"eco-tool__cards\">\n      <div class=\"eco-tool__card\">\n        <div class=\"eco-tool__metric-label\">Monthly EV payment<\/div>\n        <div class=\"eco-tool__metric-value\" id=\"loan-payment-output-m93x\">\u2014<\/div>\n        <div class=\"eco-tool__metric-sub\">Loan or lease payment before savings.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__card\">\n        <div class=\"eco-tool__metric-label\">Monthly fuel + maintenance savings<\/div>\n        <div class=\"eco-tool__metric-value\" id=\"loan-savings-output-m93x\">\u2014<\/div>\n        <div class=\"eco-tool__metric-sub\">Estimated savings vs gasoline car.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__card\">\n        <div class=\"eco-tool__metric-label\">Net monthly EV cost<\/div>\n        <div class=\"eco-tool__metric-value\" id=\"loan-net-output-m93x\">\u2014<\/div>\n        <div class=\"eco-tool__metric-sub\">EV payment minus estimated monthly savings.<\/div>\n      <\/div>\n\n      <div class=\"eco-tool__card\">\n        <div class=\"eco-tool__metric-label\">Ownership period result<\/div>\n        <div class=\"eco-tool__metric-value\" id=\"loan-total-output-m93x\">\u2014<\/div>\n        <div class=\"eco-tool__metric-sub\" id=\"loan-total-sub-m93x\">\u2014<\/div>\n      <\/div>\n    <\/div>\n\n    <p class=\"eco-tool__note\">\n      Approximate estimate only. Real savings depend on electricity prices, public charging use, fuel prices, insurance, taxes, repairs, depreciation, and vehicle purchase price.\n    <\/p>\n  <\/div>\n\n  <details class=\"eco-tool__details\">\n    <summary class=\"eco-tool__summary\">How we calculate<\/summary>\n    <div class=\"eco-tool__details-body\">\n      <ul class=\"eco-tool__list\">\n        <li>EV energy cost = distance \u00f7 100 \u00d7 EV consumption \u00d7 electricity price<\/li>\n        <li>Gas fuel cost = distance \u00f7 100 \u00d7 gas consumption \u00d7 gas price<\/li>\n        <li>Monthly savings = gas fuel + gas maintenance \u2212 EV electricity \u2212 EV maintenance<\/li>\n        <li>Net EV monthly cost = loan payment \u2212 monthly savings<\/li>\n      <\/ul>\n    <\/div>\n  <\/details>\n<\/div>\n\n<style>\n.eco-tool{border:1px solid rgba(0,0,0,.12);border-radius:12px;padding:16px;}\n.eco-tool__header{margin-bottom:12px;}\n.eco-tool__title{margin:0 0 8px;}\n.eco-tool__lead{margin:0;opacity:.9;}\n.eco-tool__form{margin-top:12px;}\n.eco-tool__grid3{display:grid;grid-template-columns:1fr;gap:16px;}\n@media (min-width:860px){.eco-tool__grid3{grid-template-columns:1fr 1fr 1fr;}}\n.eco-tool__field{display:flex;flex-direction:column;gap:6px;}\n.eco-tool__label{font-weight:600;}\n.eco-tool__input{width:100%;height:44px;padding:0 12px;border:1px solid rgba(0,0,0,.20);border-radius:10px;background:#fff;box-sizing:border-box;font:inherit;}\n.eco-tool__hint{font-size:.92em;opacity:.78;min-height:38px;}\n.eco-tool__actions{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:16px;}\n.eco-tool__btn{padding:10px 22px;}\n.eco-tool__btn--ghost{background:transparent!important;border:1px solid rgba(0,0,0,.20)!important;}\n.eco-tool__btn--ghost:hover,.eco-tool__btn--ghost:focus{background:rgba(0,0,0,.06)!important;border-color:rgba(0,0,0,.35)!important;}\n.eco-tool__error{min-height:1.2em;font-weight:600;flex:1 1 240px;}\n.eco-tool__result{margin-top:18px;}\n.eco-tool__subtitle{margin:0 0 10px;}\n.eco-tool__cards{display:grid;gap:10px;grid-template-columns:1fr;}\n@media (min-width:860px){.eco-tool__cards{grid-template-columns:1fr 1fr;}}\n.eco-tool__card{border:1px solid rgba(0,0,0,.12);border-radius:12px;padding:12px;}\n.eco-tool__metric-label{opacity:.85;font-weight:600;}\n.eco-tool__metric-value{font-size:1.7em;font-weight:800;margin-top:6px;line-height:1.1;}\n.eco-tool__metric-sub{opacity:.85;margin-top:6px;}\n.eco-tool__note{margin-top:12px;opacity:.9;}\n.eco-tool__details{margin-top:16px;}\n.eco-tool__summary{cursor:pointer;font-weight:700;}\n.eco-tool__details-body{margin-top:10px;}\n.eco-tool__list{margin:0;padding-left:18px;}\n<\/style>\n\n<script>\n(function(){\n  const S = \"m93x\";\n  const el = (id) => document.getElementById(id + \"-\" + S);\n\n  const paymentEl = el(\"loan-payment\");\n  const distanceEl = el(\"loan-distance\");\n  const evConsEl = el(\"loan-evcons\");\n  const elecPriceEl = el(\"loan-elecprice\");\n  const gasConsEl = el(\"loan-gascons\");\n  const gasPriceEl = el(\"loan-gasprice\");\n  const evMaintEl = el(\"loan-evmaint\");\n  const gasMaintEl = el(\"loan-gasmaint\");\n  const yearsEl = el(\"loan-years\");\n\n  const calcBtn = el(\"loan-calc-btn\");\n  const resetBtn = el(\"loan-reset-btn\");\n  const errorEl = el(\"loan-error\");\n  const resultEl = el(\"loan-result\");\n\n  const paymentOutput = el(\"loan-payment-output\");\n  const savingsOutput = el(\"loan-savings-output\");\n  const netOutput = el(\"loan-net-output\");\n  const totalOutput = el(\"loan-total-output\");\n  const totalSub = el(\"loan-total-sub\");\n\n  function setError(msg){ errorEl.textContent = msg || \"\"; }\n\n  function money(x){\n    const sign = x < 0 ? \"-\" : \"\";\n    return sign + \"$\" + Math.abs(x).toLocaleString(undefined,{minimumFractionDigits:0,maximumFractionDigits:0});\n  }\n\n  function calculate(){\n    setError(\"\");\n\n    const payment = Number(paymentEl.value);\n    const distance = Number(distanceEl.value);\n    const evCons = Number(evConsEl.value);\n    const elecPrice = Number(elecPriceEl.value);\n    const gasCons = Number(gasConsEl.value);\n    const gasPrice = Number(gasPriceEl.value);\n    const evMaint = Number(evMaintEl.value);\n    const gasMaint = Number(gasMaintEl.value);\n    const years = Number(yearsEl.value);\n\n    if(\n      !Number.isFinite(payment) || payment < 0 ||\n      !Number.isFinite(distance) || distance <= 0 ||\n      !Number.isFinite(evCons) || evCons <= 0 ||\n      !Number.isFinite(elecPrice) || elecPrice < 0 ||\n      !Number.isFinite(gasCons) || gasCons <= 0 ||\n      !Number.isFinite(gasPrice) || gasPrice < 0 ||\n      !Number.isFinite(evMaint) || evMaint < 0 ||\n      !Number.isFinite(gasMaint) || gasMaint < 0 ||\n      !Number.isFinite(years) || years <= 0\n    ){\n      setError(\"Please enter valid values.\");\n      resultEl.hidden = true;\n      return;\n    }\n\n    const evEnergyCost = (distance \/ 100) * evCons * elecPrice;\n    const gasFuelCost = (distance \/ 100) * gasCons * gasPrice;\n\n    const evRunningCost = evEnergyCost + evMaint;\n    const gasRunningCost = gasFuelCost + gasMaint;\n\n    const monthlySavings = gasRunningCost - evRunningCost;\n    const netMonthly = payment - monthlySavings;\n    const ownershipResult = monthlySavings * years * 12;\n\n    paymentOutput.textContent = money(payment) + \"\/mo\";\n    savingsOutput.textContent = money(monthlySavings) + \"\/mo\";\n    netOutput.textContent = money(netMonthly) + \"\/mo\";\n    totalOutput.textContent = money(ownershipResult);\n    totalSub.textContent = \"Estimated total running-cost savings over \" + years + \" years.\";\n\n    resultEl.hidden = false;\n  }\n\n  function reset(){\n    setError(\"\");\n    paymentEl.value = \"520\";\n    distanceEl.value = \"1200\";\n    evConsEl.value = \"18\";\n    elecPriceEl.value = \"0.15\";\n    gasConsEl.value = \"7.5\";\n    gasPriceEl.value = \"1.60\";\n    evMaintEl.value = \"25\";\n    gasMaintEl.value = \"70\";\n    yearsEl.value = \"5\";\n    resultEl.hidden = true;\n  }\n\n  calcBtn.addEventListener(\"click\", calculate);\n  resetBtn.addEventListener(\"click\", reset);\n})();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>EV Loan vs Fuel Savings Calculator Estimate whether monthly fuel and maintenance savings can offset your electric vehicle loan payment. EV monthlypayment ($) Monthly EV loan or lease payment. Monthly&hellip;<\/p>\n","protected":false},"author":25,"featured_media":0,"parent":652,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/e-car.day\/index.php?rest_route=\/wp\/v2\/pages\/672"}],"collection":[{"href":"https:\/\/e-car.day\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/e-car.day\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/e-car.day\/index.php?rest_route=\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/e-car.day\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=672"}],"version-history":[{"count":1,"href":"https:\/\/e-car.day\/index.php?rest_route=\/wp\/v2\/pages\/672\/revisions"}],"predecessor-version":[{"id":673,"href":"https:\/\/e-car.day\/index.php?rest_route=\/wp\/v2\/pages\/672\/revisions\/673"}],"up":[{"embeddable":true,"href":"https:\/\/e-car.day\/index.php?rest_route=\/wp\/v2\/pages\/652"}],"wp:attachment":[{"href":"https:\/\/e-car.day\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=672"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}