Thanks for your response. The top half of your spreadsheet is straightforward showing the savings on fuel when the ebike is used for commuting and shopping rather than your car, assuming electric charging for you is free.

The bottom half revised by somebody else seems to assume that you no longer will be paying $5,100/year for car insurance and car payment, and that $600/year will cover all your non e-bike transportation expenses to include the 1/4 year when you are not using the ebike at all, as well as all travel expenses for the rest of the year if you commute more than 3 times/week, or go more than 10 miles/week to anywhere else not on the ebike.

$5,100 year for car payment and insurance (plus licensing and maintenance costs) seems unnecessarily wasteful for a person only using the car to travel 40 miles/week for commuting and shopping and without any other travel requirements that require more than walking or conventional bicycling. I think that a used car capable of reliable transportation for approximately 2,000 miles a year could be found for much less annual cost and not need to be replaced for 20 years or so with such little use.