Annual transport budget.

Transport annual cost calculator combines all transport spending. 4,000 car + 1,500 public transport + 1,200 fuel + 400 parking + 300 taxi = 7,400 annual = 617/month. Transport typically 15-20% of household expenses (top 3 with housing and food). Lifetime cost 370,000+ over career.

Example: typical working professional. 4,000 annual car cost (insurance, depreciation, maintenance, MOT) + 1,500 public transport (occasional) + 1,200 fuel + 400 parking + 300 taxi = 7,400 total. Monthly 617. Lifetime (50 years): 370k. Significant lifestyle expense most don't track.

Transport breakdown: (1) Car ownership (4,000-12,000/year all-in). (2) Public transport (500-3,000 commuter season tickets). (3) Taxi/Uber (300-2,000/year typical). (4) Walking/cycling (0-500/year). (5) Travel for work (often reimbursed). (6) Holidays travel (separate budget). Reduction strategies: (1) Sell second car (4-6k/year savings). (2) Switch to public transport (50-70% cheaper). (3) Cycle commute (90% cheaper than car). (4) Carpool. (5) WFH days (reduce commute). typical household transport spend 4,500/year - significant target for budget optimisation.

Run it with sensible defaults

Using annual car cost of 4,000, annual public transport of 1,500, annual fuel cost of 1,200, annual parking of 400, the calculation works out to 7,400.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Annual Car Cost (excl. fuel), Annual Public Transport, Annual Fuel Cost, Annual Parking, and Annual Taxi/Uber — do not pull with equal force. Frequency and unit price pull the total in different directions. The biggest surprise for most people is how small recurring amounts compound into large annual figures — that's where this calculation earns its keep.

How the math works

Sum of all transport categories. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

When to actually change the habit

Most lifestyle spending delivers real value. The exceptions are the ones that stopped delivering months ago but got auto-renewed anyway, and the ones chosen out of defaults rather than preference. Run this, then audit for those two categories — that's where the easy wins live.

What this doesn't capture

The tool prices the money; it can't weigh the enjoyment. A coffee habit, gym membership, or streaming bundle might cost what the math says but deliver value that's harder to quantify. Use the number to make the trade-off visible — the decision is yours.