Tool · Investor Sam Auto

EV vs Gas Fuel Cost Calculator

June 30, 2026 • By the Investor Sam Editorial Team • Reviewed by Berly Sam Varghese, Editor
The sticker price gap between an electric car and a gas car is only half the story; the other half is what you spend to move it over the years you own it. This calculator compares the multi-year energy cost of an EV, priced by your home electricity rate and its efficiency in miles per kWh, against the fuel cost of a gas car at your local pump price and MPG. The savings figure is the fuel-only advantage, a big piece of the total-ownership math.

Example: Miles driven per year: 12000 mi · Years to compare: 5 years · Gas car MPG: 28 mpg · Gas price: 3.5 $/gal · EV efficiency: 3.5 mi/kWh · Electricity price: 0.16 $/kWh

EV energy savings (total)$4,757
Gas fuel cost$7,500
EV energy cost$2,743
Savings per year$951

Worked example

Driving 12,000 miles a year in a 28-MPG gas car at $3.50 a gallon burns about 428 gallons, or roughly $1,500 a year, which is $7,500 over five years. The same miles in an EV at 3.5 miles per kWh use about 3,430 kWh a year, and at $0.16 per kWh that is about $549 a year, or $2,743 over five years. The EV saves roughly $4,760 in energy alone over five years, about $952 a year.

Frequently asked questions

Does this include the higher purchase price of an EV?

No. This tool isolates the running energy cost, which is where EVs usually win. To judge the whole decision, weigh these fuel savings against any purchase-price premium and available tax credits, and consider battery and maintenance differences.

What if I charge on public fast chargers?

Public DC fast charging costs much more per kWh than home charging, sometimes approaching gas-equivalent costs. Enter a blended electricity price that reflects your mix of home and public charging for a realistic result.

How do I find my EV efficiency and my car MPG?

The federal fuel-economy site publishes MPG for gas cars and miles-per-kWh (or kWh per 100 miles) for EVs. Real-world numbers vary with climate, speed, and terrain, so adjust down in cold weather or heavy highway driving.

What about maintenance savings?

EVs typically save on oil changes, brakes, and engine service, which this fuel-only tool does not count. If you want the full comparison, add those savings on top of the energy figure shown here.

💎
InvestorSam.com
Stock analysis, market insights & portfolio research — free
Ready to put these numbers to work?
Get stock picks, earnings analysis, and market commentary from Investor Sam.
Visit InvestorSam.com →

Sources

Berly Sam Varghese · Editor, Investor Sam

Berly Sam Varghese is an engineer who treats money the way he treats any hard problem — something to be engineered, not gambled on. He funded years of education and built real financial stability the patient way, by living below his means and investing rather than borrowing. He writes for the person trying to make a car decision without overpaying for years. He reviews and approves every article on Investor Sam and checks the figures against primary sources before anything is published. More about our standards.