Bike vs public transport calculator

How much does cycling cost per month in London?

The average London cyclist spends between £50 and £120 per month when you include the amortised bike cost, maintenance, insurance, and occasional public transport. This is significantly less than a Zone 1-2 Travelcard.

How much is a Zone 1-2 Travelcard in 2025?

A monthly Zone 1-2 Travelcard costs around £160 in 2025. Pay-as-you-go with contactless is capped at similar daily and weekly rates, so heavy commuters pay roughly the same.

Is bike insurance worth it in London?

For bikes worth over £500, yes. Insurance typically costs £5-£15/month and covers theft, damage, and sometimes liability. Over 70,000 bikes are stolen in London each year.

What are the hidden costs of cycling?

Budget for: a quality D-lock (£30-£80), lights (£20-£50), helmet (£30-£80), waterproof jacket (£50-£150), annual servicing (£60-£120), and replacement brake pads and tyres.

Is cycling faster than the Tube?

For journeys under 5 miles in central London, cycling is often faster door-to-door. The average cycling speed is 10-12 mph, and you skip the walk to the station, waiting, and line changes.