Cycle to Work Savings Calculator
Estimate how much you can save on a bike through the Cycle to Work scheme.
Calculate Your Savings
£
Cycle to work savings calculator guide for UK commuters
WeCovr's cycle to work savings calculator helps UK commuters estimate savings, backed by FCA-authorised guidance and 900,000+ policies issued. WeCovr also supports private medical insurance UK planning while this guide explains cycle-to-work savings.
What this cycle to work calculator estimates
The calculator estimates how much you could save by replacing a car or train commute with cycling.
It provides a financial view of healthier commuting choices.
Compares commute cost before and after cycling.
Estimates monthly and annual savings.
Encourages sustainable travel planning.
Costs to include
Include bike purchase, maintenance, and equipment in your planning.
Why WeCovr supports healthier choices
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, WeCovr can help you access private health cover through a trusted PMI broker and point you to a best PMI provider.
Data sources and guidance references
This guide references UK cycling cost benchmarks and commuting statistics.
Commuting trade-offs
| Mode | Typical cost | Health impact | Notes |
|---|---|---|---|
| Car | Higher | Lower | Fuel and parking |
| Train | Medium | Medium | Season tickets |
| Bike | Lower | Higher | Upfront bike costs |
Related WeCovr resources
FAQs
Does this include bike purchase cost?
You should include upfront bike and gear costs for a full picture.
What about bad weather days?
Model a mixed commute to reflect realistic cycling days.
Is cycling always cheaper?
Often yes, but it depends on distance, equipment, and time costs.
Is this financial advice?
No. It is a planning estimate only.