Sample report
Your EV savings report
2014 Ford Focus FWD → 2019 Chevrolet Bolt EV
- 11,000 miles a year
- gas at $5.75
- home charger included
San Francisco, CA 94110 · Pacific Gas & Electric · Prepared November 13, 2026
Scenario 1
Your current car vs an EV
2014 Ford Focus FWD → 2019 Chevrolet Bolt EV
$19,624
saved over 15 years ($1,308 a year)
Scenario 2
A newer gas car vs an EV
2019 Toyota Camry LE/SE vs 2019 Chevrolet Bolt EV
$30,440
saved over 15 years ($2,029 a year)
Paying cash, after what each car costs to buy.
Scenario 1 · Your current car vs an EV
Switching saves about $1,846 a year and pays for itself in about 6 years.
Over 15 years, after paying for the EV, you are about $19,624 better off paying cash.
Where you stand against keeping your car
- Paying cash
- Financing
- Likely range, cash
| Year | Paying cash | Financing |
|---|---|---|
| 0 | −$13,200 | −$2,200 |
| 1 | −$11,060 | −$2,612 |
| 2 | −$8,889 | −$2,993 |
| 3 | −$6,687 | −$3,343 |
| 5 | −$2,348 | −$4,108 |
| 7 | $1,906 | $146 |
| 10 | $8,295 | $6,535 |
| 15 | $19,624 | $17,864 |
Cash: $14,000 EV + $2,200 charger − $3,000 for your car = $13,200 upfront. Financing: $2,200 upfront, then $213 a month for 5 years at 6.0%.
Your car is 12 years old. In year 4 it turns 16, the average lifetime of a car. These figures count typical repairs for its age and assume it runs all 15 years. If it is replaced sooner, Scenario 2 is the fairer comparison.
Scenario 1 · Your current car vs an EV
Going electric cuts your running costs by $1,846 a year
Year one, gas against electric
- 2014 Ford Focus FWD
- 2019 Chevrolet Bolt EV
| Fuelsaves $1,406 a year | |
|---|---|
| Your car | |
| The EV | |
| Maintenancesaves $440 a year | |
| Your car | |
| The EV | |
367 gallons of gas a year becomes 3,113 kWh of electricity.
What it costs you each month
- Gas or charging
- Maintenance
- Loan
| Option | Parts | Total |
|---|---|---|
| Today | $176$93 | $268 |
| EV, paying cash | $59$56 | $114 |
| EV, financedfor 5 years, then the loan ends | $59$56$213 | $327 |
The loan is $213 a month for 5 years, then it ends and the car is paid off. $1,760 of it is interest. Until then you pay $59 a month more than today, and after it $154 less.
Fuel cost per 1,000 miles
Solar could bring the EV lower, depending on your roof.
| Gas | $192 |
|---|---|
| EV | $64 |
| EV with solar | $64 or less |
Scenario 1 · Your current car vs an EV
Over 15 years, switching comes out $19,624 ahead paying cash, and $17,864 ahead financed
Total cost over 15 years
Gas and electricity both rise2% a year above inflation.
- Gas or charging
- Maintenance and repairs
- The car, after selling yours
- Home charger
- Loan
| Option | Parts | Total |
|---|---|---|
| Keep your car | $36,460$28,729 | $65,190 |
| EV, paying cash | $12,144$20,222$11,000$2,200 | $45,566 |
| EV, financed | $12,144$20,222$11,000$2,200$1,760 | $47,325 |
What moves the answer
Payback paying cash, and the 15-year gain against keeping your car.
| Value | Payback | Bar | Gain |
|---|---|---|---|
| $3.75 | 9.8 yrs | +$6,942 | |
| $4.75 | 7.5 yrs | +$13,283 | |
| $5.75yours | 6.2 yrs | +$19,624 | |
| $6.75 | 5.3 yrs | +$25,965 | |
| $7.75 | 4.6 yrs | +$32,306 |
| Value | Payback | Bar | Gain |
|---|---|---|---|
| 7,000 | 9.7 yrs | +$7,688 | |
| 9,000 | 7.5 yrs | +$13,656 | |
| 11,000yours | 6.2 yrs | +$19,624 | |
| 13,000 | 5.2 yrs | +$25,592 | |
| 15,000 | 4.5 yrs | +$31,560 |
Repairs. Servicing, plus the repairs typical for each car's age. A car already needing major work saves more.
If you add solar. Daytime charging from a roof can cut the $702 a year toward zero.
Home charging. Assumes charging at home on PG&E's EV2-A rate, off-peak (midnight to 3pm). Public fast charging can erase much of the saving.
Not counted. Insurance, sales tax, registration. The tax and California's EV road fee add to the EV's side.
Scenario 2 · A newer gas car vs an EV
The EV costs about $1,714 a year less to run than the Camry and is ahead from month one.
Over 15 years, after paying for each car, the EV leaves you about $30,440 better off than the Camry, paying cash.
Total spent over time, the EV against the Camry
- Camry financed
- Camry cash
- EV financed
- EV cash
| Year | Camry financed | Camry cash | EV financed | EV cash |
|---|---|---|---|---|
| 0 | $0 | $13,230 | $2,200 | $13,200 |
| 1 | $6,642 | $16,802 | $6,538 | $14,986 |
| 2 | $13,383 | $20,475 | $10,941 | $16,838 |
| 3 | $20,226 | $24,248 | $15,411 | $18,755 |
| 5 | $34,216 | $32,100 | $24,548 | $22,788 |
| 7 | $42,482 | $40,365 | $28,848 | $27,088 |
| 10 | $55,488 | $53,371 | $35,649 | $33,890 |
| 15 | $78,122 | $76,006 | $47,325 | $45,566 |
Cash: $14,000 EV + $2,200 charger − $16,230 Camry = $30 less upfront. Financing both: $2,200 more upfront, then $43 less a month for 5 years at 6.0%.
Scenario 2 · A newer gas car vs an EV
The EV costs $1,714 a year less to run than the Camry
Year one, gas against electric
- 2019 Toyota Camry LE/SE
- 2019 Chevrolet Bolt EV
| Fuelsaves $1,274 a year | |
|---|---|
| The Camry | |
| The EV | |
| Maintenancesaves $440 a year | |
| The Camry | |
| The EV | |
344 gallons of gas a year becomes 3,113 kWh of electricity.
What it costs you each month
- Gas or charging
- Maintenance
- Loan
| Option | Parts | Total |
|---|---|---|
| Camry, paying cash | $165$93 | $257 |
| EV, paying cash | $59$56 | $114 |
| Camry, financedfor 5 years | $165$93$256 | $513 |
| EV, financedfor 5 years | $59$56$213 | $327 |
Financed, the EV costs $186 a month less than the Camry for 5 years. Then both loans are paid off. The EV loan costs $1,760 in interest, and the Camry loan $2,116.
Fuel cost per 1,000 miles
Solar could bring the EV lower, depending on your roof.
| Gas | $180 |
|---|---|
| EV | $64 |
| EV with solar | $64 or less |
Scenario 2 · A newer gas car vs an EV
Over 15 years, the EV comes out $30,440 ahead of the Camry paying cash, and $30,797 ahead financed
Total cost over 15 years
Gas and electricity both rise2% a year above inflation.
- Gas or charging
- Maintenance and repairs
- The car, after selling yours
- Home charger
- Loan
| Option | Parts | Total |
|---|---|---|
| Camry, paying cash | $34,182$28,595$13,230 | $76,006 |
| EV, paying cash | $12,144$20,222$11,000$2,200 | $45,566 |
| Camry, financed | $34,182$28,595$13,230$2,116 | $78,122 |
| EV, financed | $12,144$20,222$11,000$2,200$1,760 | $47,325 |
What moves the answer
Time to earn back the extra cost, paying cash, and the 15-year gain against buying the Camry.
| Value | Payback | Bar | Gain |
|---|---|---|---|
| $3.75 | month one | +$18,551 | |
| $4.75 | month one | +$24,496 | |
| $5.75yours | month one | +$30,440 | |
| $6.75 | month one | +$36,385 | |
| $7.75 | month one | +$42,330 |
| Value | Payback | Bar | Gain |
|---|---|---|---|
| 7,000 | month one | +$19,382 | |
| 9,000 | month one | +$24,911 | |
| 11,000yours | month one | +$30,440 | |
| 13,000 | month one | +$35,969 | |
| 15,000 | month one | +$41,499 |
If you add solar. Daytime charging from a roof can cut the $702 a year toward zero.
Home charging. Assumes charging at home on PG&E's EV2-A rate, off-peak (midnight to 3pm). Public fast charging can erase much of the saving.
Not counted. Insurance, sales tax, registration. The tax and California's EV road fee add to the EV's side.
What this is based on
| Assumption | Value | Where it came from |
|---|---|---|
| Your current car | 2014 Ford Focus FWD, 30 mpg combined | EPA fueleconomy.gov |
| The EV | 2019 Chevrolet Bolt EV, 28.3 kWh per 100 miles | EPA fueleconomy.gov |
| Miles a year | 11,000 | you told me |
| Gas price | $5.75 a gallon | my estimate |
| Charging price | $0.22558 per kWh — PG&E's EV2-A rate, off-peak (midnight to 3pm) | Pacific Gas and Electric Company |
| EV price | $14,000 ($12,000–$16,000) | my estimate |
| Your car’s resale value | $3,000 ($1,500–$5,000) | my estimate |
| Newer gas car | 2019 Toyota Camry LE/SE, 32 mpg, $16,230 ($15,550–$16,910) | EPA fueleconomy.gov; price median of 2 quotes: Kelley Blue Book |
| Home charger, installed | $2,200 | my estimate |
| Maintenance and repairs | $0.101/mile gas, $0.061/mile EV, plus repairs rising with age | Argonne National Laboratory, U.S. Department of Energy |
| Price when new, for repairs | your car $19,673, the EV $37,058, the Camry $25,078 | your car: Cars.com, Kelley Blue Book; the EV: Cars.com, Kelley Blue Book; the Camry: Cars.com, Kelley Blue Book |
| Loan | 6.0% over 60 months | my assumption |
| Gas and electricity prices | both rise 2% a year above inflation | my assumption |
No rebates or tax credits are counted. The federal credits for new and used EVs ended on September 30, 2025. Ask me and I will check which California programs apply to you. How this is calculated, and every source →
Estimates, not a quote, and not financial or tax advice. Prices and resale values depend on the specific car, its mileage and condition.
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