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The average car loan costs $730 a month.
Learn moreThree ways the switch pays you back
The same hour of commuting can build a retirement account, replace a gym membership, or cancel a year of emissions. Usually all three.
The payment you stop making
the payment on today's average new car loan — $891K if invested for 30 years
The car payment, invested instead
$730/month — the payment on today's average new car loan — put into a 7% index fund for 30 years.
Loan terms: Q4 2024 average, $40K at 7.08% over 66 months (Federal Reserve). Investment return is illustrative, not a forecast.
The calories you burn getting there
burned a year on a 10-mile round trip — 1,500 a week, about 21 lbs
The commute out-burns the gym
Calories per week from a 10-mile round-trip ride, against a three-day-a-week gym habit.
75,000 calories a year — roughly 21 lbs, without booking a single class.
Assumes 30 cal/mile on pedal assist (300 cal per round trip) over 50 weeks. Burn varies with effort, terrain, assist level, and rider weight.
The carbon you never emit
absorbing all year to cancel one car's 4.6 metric tons of CO2
The forest one car needs
4.6 metric tons a year takes 219 trees, absorbing for a full year, just to break even.
219 trees. From one car, in one driveway.
One glyph = one tree absorbing 21 kg of CO2 a year, the same figure the community impact pages use. Emissions are the site's standard 4.6-tonne per-vehicle estimate and vary with fuel economy and miles driven.
The car payment, invested instead
$730/month — the payment on today's average new car loan — put into a 7% index fund for 30 years.
Loan terms: Q4 2024 average, $40K at 7.08% over 66 months (Federal Reserve). Investment return is illustrative, not a forecast.
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