Your miles, your electricity rate, your gas price — applied to real EPA efficiency numbers.
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Math: BEV cost = miles × (kWh/100 mi ÷ 100) × $/kWh. PHEV assumes 60% of miles on electricity (EPA utility factor territory). HEV = miles ÷ mpg × $/gal. Charging losses, public fast-charging premiums, and maintenance aren't included — this is fuel only.