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Transport Budget Calculator
Transport is where city choice shows up in the budget. Enter the pass and the extras you actually use.
If the city is walkable, the honest comparison is a pass plus occasional rideshare against the full cost of a car: insurance, parking, maintenance and depreciation.
The car is more than fuel
A car budget includes insurance, road tax, parking, maintenance, tyres and depreciation, not just fuel. In dense cities, a pass and occasional rideshare is often cheaper and simpler. In car-dependent places, the car is not optional and its full cost belongs in the budget.
Frequency beats the single fare
Monthly passes usually beat single tickets only above a certain number of trips. Count your actual weekly trips before buying the pass, especially if you work from home part of the week.
Frequently asked questions
Should I include flights home here?
No. Put long-haul trips home in the annual extras; this calculator covers local and regional transport.
How do I budget a car purchase?
Treat the purchase as a one-time relocation cost and the running costs (insurance, tax, fuel, maintenance) as monthly.
Are transit passes tax-deductible?
Sometimes, depending on the country and the employment type. Check the local rules before counting a benefit.