I don't live far from work, just a 8-9 mile round trip, so I don't really save much on gas. We own two cars (the minivan and my wife's old Prelude), but we have a pretty good deal on insurance since it's a combined policy with the house. So those are not major factors in my calculations.

But parking in downtown Sacramento is very expensive. The city garage next to my building is $170 per month. So taking nothing more into account, I feel like the bike has put an extra two grand in my pocket every year. (Hell, it paid for a Dura Ace upgrade on my race bike and I've still got a chunk of change left. )

You know, with what I save on parking, I could justify buying a brand new very nice bike every year and just giving it away after 12 months.