Electric Truck Owners

Electric Truck Ownership Cost Calculator

Compare two electric trucks, or an EV and a gas truck, using the costs that matter to you.

U.S. scenarios · USD · No account required. Inputs stay in this page’s memory. Sharing is optional; a copied link exposes its assumptions to anyone who receives it.

Ownership cost assumptions

Your driving and energy prices

The starting mileage, charging mix and energy prices are illustrative, not local prices. Replace them with your own. Both vehicles use the same annual mileage.

Vehicle A

Selecting a configuration replaces only its purchase-price and energy-use assumptions. Missing figures stay blank. EPA labels are not verified retail trims.

EPA combined consumption already includes AC charging losses. No extra loss factor is added to wall-energy inputs; the same consumption assumption is used for home and public charging.

Resale, upfront costs and financing

Zero means you are excluding that cost. A zero resale value assumes no money recovered at sale. Enter separate resale assumptions for each horizon; these are not market forecasts.

Vehicle B

Selecting a configuration replaces only its purchase-price and energy-use assumptions. Missing figures stay blank. EPA labels are not verified retail trims.

Resale, upfront costs and financing

Zero means you are excluding that cost. A zero resale value assumes no money recovered at sale. Enter separate resale assumptions for each horizon; these are not market forecasts.

Insurance and maintenance are required. Enter zero only if you deliberately want to exclude them. Open resale, upfront costs and financing to include those assumptions.

Your ownership-cost scenarios

Complete both vehicles and calculate to see your comparison.

Worked examples

These invented, editable scenarios explain the arithmetic. They are not vehicle specifications, prices, insurance quotes or predictions.

An EV and a gas truck with mostly home charging

Both trucks cost $45,000 before $2,000 in upfront taxes and fees and travel 12,000 miles a year. The EV uses 50 kWh/100 mi from the wall. Home charging supplies 80% at $0.16/kWh; public charging costs $0.45/kWh. The gas truck gets 20 MPG at $3.50/gallon. Insurance, maintenance, installation and resale are included as listed below.

Five-year totals: Vehicle A $44,040.00; Vehicle B $49,500.00.

See every example assumption
Annual miles driven
12,000
Home charging share (%)
80
Home electricity price ($/kWh)
0.16
Public charging price ($/kWh)
0.45
Gasoline price ($/gallon)
3.5
Purchase price or current value (USD)
45,000 / 45,000
Electricity use (kWh/100 mi)
50 / 0
Charging losses (%)
0 / 0
Gas truck efficiency (MPG)
0 / 20
Annual insurance (USD)
1,800 / 1,800
Annual maintenance, repairs and tires (USD)
600 / 1,000
Upfront taxes, destination and fees (USD)
2,000 / 2,000
Charger and installation (USD)
1,500 / 0
Annual registration and other fixed costs (USD)
0 / 0
Resale value after 3 years (USD)
30,000 / 28,000
Resale value after 5 years (USD)
23,000 / 22,000
Resale value after 10 years (USD)
10,000 / 9,000
Amount financed (USD)
0 / 0
Annual loan interest rate (%)
0 / 0
Loan term (months)
0 / 0

The same trucks with public charging only

Only the home charging share changes to 0%. The $1,500 installation assumption remains in place to isolate the energy-price effect. Change installation to zero yourself if it does not apply. Compare the full five-year totals rather than assuming an EV always saves money.

Five-year totals: Vehicle A $51,000.00; Vehicle B $49,500.00.

See every example assumption
Annual miles driven
12,000
Home charging share (%)
0
Home electricity price ($/kWh)
0.16
Public charging price ($/kWh)
0.45
Gasoline price ($/gallon)
3.5
Purchase price or current value (USD)
45,000 / 45,000
Electricity use (kWh/100 mi)
50 / 0
Charging losses (%)
0 / 0
Gas truck efficiency (MPG)
0 / 20
Annual insurance (USD)
1,800 / 1,800
Annual maintenance, repairs and tires (USD)
600 / 1,000
Upfront taxes, destination and fees (USD)
2,000 / 2,000
Charger and installation (USD)
1,500 / 0
Annual registration and other fixed costs (USD)
0 / 0
Resale value after 3 years (USD)
30,000 / 28,000
Resale value after 5 years (USD)
23,000 / 22,000
Resale value after 10 years (USD)
10,000 / 9,000
Amount financed (USD)
0 / 0
Annual loan interest rate (%)
0 / 0
Loan term (months)
0 / 0

Ownership costs by electric truck

Start with a reviewed configuration, then replace dated catalog prices with your actual quote. A manufacturer trim may have no reviewed consumption; an EPA label may not identify a retail trim. Neither establishes used condition or current availability.

Method and sources

Document-based research with AI assistance. Method reviewed 10/27/2026. No hands-on vehicle testing or personalized financial advice.

What does an electric truck cost to own?

The lowest asking price does not always give the lowest ownership cost. Compare the price you would actually pay, energy, insurance, maintenance, taxes and the amount you might recover when you sell. This calculator puts two vehicles on the same mileage and ownership timeline.

Use a written purchase quote for a truck you are buying. For a truck you already own, use its current market value as the starting opportunity cost, enter only future costs and leave financing off unless you are modeling a new purchase. Past spending and existing loan balances are outside this comparison.

How the ownership estimate works

Estimated cost = purchase price or current value + upfront taxes and fees + charger installation + interest paid during ownership + energy + insurance + maintenance + annual fixed costs − assumed resale value. The purchase price is counted once. Loan principal and down payments are not added again.

The monthly ownership figure spreads this economic cost over the selected years. It is not a monthly bill or loan payment. The separate loan payment uses a fixed-rate monthly amortization model; interest stops at sale or the end of the term. Remaining principal is shown separately and is not added again to ownership cost.

Annual EV energy cost uses miles × kWh per 100 miles ÷ 100 × a weighted home/public electricity price. A battery-side input is divided by one minus the charging-loss fraction. EPA wall-energy inputs receive no additional loss factor. Actual AC and DC charging losses can differ; this simple scenario uses one consumption figure for both.

Annual gas cost uses miles ÷ MPG × gasoline price. Energy prices, mileage and annual costs stay constant. Resale values are separate assumptions for 3, 5 and 10 years, not predictions. This tool does not forecast battery degradation, repairs or future prices.

Use quotes and test your assumptions

Destination, options and dealer fees can make the paid price different from a dated catalog base price. Add an extra only if it is not already included in your purchase figure. Incentives, tax credits and trade-in tax treatment are not calculated automatically. Use only amounts you have independently confirmed and explain them in your own research.

Insurance, repairs, tires, registration and installation vary by driver, vehicle and location. Enter your own quotes or a clearly chosen scenario. Zero excludes an item; a zero resale value assumes no recovery at sale. Missing required price, consumption, insurance or maintenance inputs stop the calculation.

Lower energy cost does not guarantee lower total cost. Compare a home-charging case with a public-charging case, and try lower resale values. Negative costs or savings remain visible. There is no guaranteed payback date, valuation or affordability recommendation.

Read the ownership-cost guide
← All calculatorsRead the related guide →