For me;

Daily costs are a near wash. I have to take transit, so $8.50/day round trip via bike&train vs. about $9-10/day via car. $1-2 a day isn't much, but it's nice.

In-direct costs are the biggest savings. Auto maintenance, wear and tear, not having to have two cars in the family, not having to buy a new car. This is the savings that pays for all my bike gear and them some.

Intangibles. I didn't exercise at all before I started commuting. Now I'm healthier and happier. I quit smoking! $$$$ That alone is the icing on the cake.


Once you make the initial investment, it's much cheaper over time.