UK commuting guide

How to calculate your real annual commuting cost

A useful commute estimate should include every cost that changes because you travel to work — and should avoid inflating the figure with costs you would pay anyway.

Public transport

Use your realistic ticket strategy: season ticket, flexi ticket, daily tickets or advance fares. Add connecting transport where it is genuinely part of the commute.

Driving

At minimum include incremental fuel, parking and tolls. For a fuller vehicle-cost view you can also estimate mileage-related wear, servicing and depreciation, but be careful not to double-count fixed costs you would incur even without the commute.

Office-day spending

Meals, coffee or childcare changes can matter if they are specifically caused by the office day. Small daily amounts become significant when annualised.

Time

Record door-to-door travel in both directions. The annual hours number is useful even if you choose not to assign it a cash value.

Use working weeks, not 52 automatically

Holiday, bank holidays, sickness and remote weeks mean most commuters travel fewer than 52 full working weeks. The site defaults to 47 so you can adjust it to your own pattern.

Want a personalised number instead of a rule of thumb? Use the Worth the Commute reverse salary calculator.