How much is a monthly MTA pass?

An unlimited 30-day MetroCard / OMNY cap costs about $132 a month, covering subway and local bus rides across New York City. The calculator uses this as the transit baseline.

What does the IRS mileage rate include?

The IRS standard mileage rate (around $0.67 per mile) bundles fuel, maintenance, tires, insurance, and depreciation into one figure, so it estimates the full cost of operating a car, not just gas.

How much does parking cost in New York City?

Monthly garage parking in Manhattan and inner Brooklyn commonly runs $400 or more, with some Midtown garages well above that. Outer-borough rates are lower. The calculator defaults to about $400/mo.

Is my commute data private?

Yes. Every calculation runs locally in your browser. Your distance, costs, and other inputs are never sent to a server or stored.

New York City Commute Cost Calculator

New York City commute cost calculator

Find your true monthly commuting cost in New York City and see whether the $132 MTA pass beats driving. The driving side adds up the IRS per-mile cost (fuel, maintenance, depreciation), tolls, and ~$400/mo parking, so you compare all-in numbers rather than just the price of gas.

How it works

Transit is simple: the unlimited MTA pass at $132/mo. Driving stacks several costs:

monthly_miles  = one_way_miles * 2 * commute_days
driving_cost   = monthly_miles * irs_rate_per_mile
              + tolls_per_day * commute_days
              + monthly_parking

The IRS rate (~$0.67/mile) already includes fuel, maintenance, tires, insurance and depreciation, so it reflects what the car truly costs to operate — not just the pump price. Parking and tolls are added on top because they are NYC’s biggest hidden driving expenses.

Example and notes

A 10-mile one-way commute, 22 days a month, is 440 miles; at $0.67/mile that’s about $295, plus $12/day tolls ($264) and $400 parking = roughly $959/mo to drive. The MTA pass at $132 is far cheaper here — typical for Manhattan-bound commutes. Suburban drivers with free parking may flip the result. Estimates only, for guidance.