I stay away from these arguments. I did some calcs last year, and given that I own as much gym stuff as I'm ever likely to use anyway (a pair of shoes for cardio, some dumbbells and a chinup bar), and given the amount of time I spend on the bike which otherwise would be spent working overtime at work, even subtracting out vehicle maintenance and workout time if I weren't riding, I figure it costs me at least $5000, possibly as much as $7000 a year to ride my bike.