Every Tesla review tells you what it saved them. Enter your real driving, your real electric rate, and what you still owe on your current car — we'll tell you what changes, both over ten years and next month.
Free. No email. No account. Two short steps.
Middling. It pays back, but slowly enough that you should want the car for other reasons too.
Bars below the line are years you're still behind. You cross into the black in year 6.
Ordering through a referral link gets you credit toward Supercharging or accessories, and it's what keeps this calculator free. Same price either way — the credit doesn't come out of your pocket.
Opens Tesla's site. Nothing you do there comes back to us.
Clicking this saves an anonymized version of your numbers — rough location, no name or exact address — so we can see what's actually working for people. Privacy Policy.
No calculator can be exact. These are the assumptions we use, so you can argue with them.
From the trim and options you picked — real-world mixed driving, not the EPA sticker.
Energy that goes into heat and battery conditioning, not miles.
Applied to home charging only, if you're on a time-of-use plan.
A national middle, blended with your home rate by the split you set.
No oil, no plugs, no exhaust. Tires and brake fluid still count.
EVs generally cost more to insure. Subtracted, not hidden.
A Level 2 charger and a typical install, added to the cost to switch.
Applied identically to both cars in the monthly view. Your rate will differ.
Subscription only. Counted as a cost — it returns nothing measurable.
The $7,500 credit ended for vehicles acquired after September 30, 2025.
Not "keep your old car forever" — that always wins on cost. The comparison is buying the Tesla vs. buying a comparable gas car, so what you see is the extra cost of choosing electric. Your trade-in equity comes off that gap, and both sides are financed identically in the monthly view.
If you're upside down on your current loan, we count that against the switch. Strictly it would follow you into any car — we'd rather overstate the cost than quietly flatter the Tesla.
The $7,500 federal credit for new EVs ended for vehicles acquired after September 30, 2025, and is not included in any number on this page. If you signed a binding purchase contract before that date, you may still qualify — check with a tax professional.
FSD is no longer sold as a one-time purchase, so there's no price to pay back — it's a recurring cost of ownership. We treat it as an opt-in $99/month line item that reduces your savings, because it produces no measurable financial return. Buy it for the experience, not the math.
Figures shown are illustrative estimates, not quotes. Vehicle pricing, loan rates, subscription pricing, and utility rates change often and vary by state, utility, and credit. Verify before you buy anything.
There is an enormous amount of Tesla content and almost none of it is arithmetic. Reviews are shot in California with cheap solar and a 12-mile commute. That's not most people.
This tool answers two questions most calculators skip: what it does over ten years, and what it does to next month's budget. Those can disagree — a car can pay back eventually and still be unaffordable now, and we'd rather show you both than pick the flattering one.
This is an independent tool and is not affiliated with, endorsed by, or sponsored by Tesla, Inc. Tesla, Model 3, Model Y, Powerwall, and Full Self-Driving are trademarks of Tesla, Inc.
Referral credits, if you order through our link after the calculator tells you it's worth it. We are not paid to tell you yes.
Short version: we keep an anonymized snapshot of your numbers, and only if you click the referral link. No name, no email, no account, no exact address. That's the whole thing — the rest of this is just detail.
No name, email, account, exact zip, or cross-site tracking — ever. There's no login, so there's no profile to attach anything to. Playing with sliders, changing your rate, re-running the numbers — none of that is recorded; only the click is.
Kept indefinitely — it's aggregate and anonymized, never more than the bucketed fields above. Seen only by us; never sold, and never used for advertising or retargeting. Once anonymized, we can't find a specific row to delete on request — the tradeoff of never collecting identity in the first place.
The referral link opens Tesla's own site, under Tesla's own privacy policy — nothing you do there (configuring, ordering, payment) comes back to us. Our side of this ends the moment you click through.