Total Cost Calculator
What's the true cost of owning an EV?
Calculate the complete 5-year cost — purchase after subsidies, EMI interest, charging, insurance, maintenance, tyres, battery replacement, minus resale. Then compare against a petrol equivalent.
Inputs
Ex-showroomRs. 15.00 L
Ownership years5 yrs
Daily distance50 km
Electricity rate₹8/kWh
Petrol price₹105/L
Loan details
Loan %80%
Interest rate8.5%
Loan tenure5 yrs
5-year net cost
EV net cost
Rs. 11.84 L
₹12.97/km · Rs. 19,725/mo
Petrol equivalent
Rs. 14.09 L
₹15.44/km
Total saving with EV
Rs. 2.25 L
16% cheaper over 5 years
Where your money goes
Purchase (net)
Rs. 12.60 L (66%)
Loan interest
Rs. 2.77 L (15%)
Charging
Rs. 97,333 (5%)
Insurance
Rs. 2.10 L (11%)
Maintenance
Rs. 19,000 (1%)
Tyres
Rs. 40,000 (2%)
EV vs Petrol — Full Breakdown
| Cost item | EV | Petrol | Difference |
|---|---|---|---|
| Purchase price | Rs. 12,60,000 | Rs. 10,50,000 | ↑ Rs. 2,10,000 |
| Loan interest | Rs. 2,77,190 | Rs. 1,94,033 | ↑ Rs. 83,157 |
| Fuel / Charging (5yr) | Rs. 97,333 | Rs. 6,38,750 | ↓ Rs. 5,41,417 |
| Insurance | Rs. 2,10,000 | Rs. 1,76,400 | ↑ Rs. 33,600 |
| Maintenance | Rs. 19,000 | Rs. 60,000 | ↓ Rs. 41,000 |
| Tyres | Rs. 40,000 | Rs. 40,000 | = Rs. 0 |
| Battery replacement | Rs. 0 | Rs. 0 | = Rs. 0 |
| Resale value | - Rs. 7,20,000 | - Rs. 5,56,500 | ↓ Rs. 1,63,500 |
| Net cost (5 yrs) | Rs. 11.84 L | Rs. 14.09 L | Save Rs. 2.25 L |
Year-by-year running cost
| Year | EV running | Petrol running | Cumulative saving |
|---|---|---|---|
| Year 1 | Rs. 73,267/yr | Rs. 1,83,030/yr | Rs. 1,09,763 |
| Year 2 | Rs. 73,267/yr | Rs. 1,83,030/yr | Rs. 2,19,526 |
| Year 3 | Rs. 73,267/yr | Rs. 1,83,030/yr | Rs. 3,29,289 |
| Year 4 | Rs. 73,267/yr | Rs. 1,83,030/yr | Rs. 4,39,052 |
| Year 5 | Rs. 73,267/yr | Rs. 1,83,030/yr | Rs. 5,48,815 |
Cost per km
₹12.97
EV
Cost per km
₹15.44
Petrol
Monthly charging
Rs. 1,600
₹8/kWh
Resale value
Rs. 7.20 L
After 5 yrs