How much is a SEPTA monthly pass?

A SEPTA TransPass for buses, trolleys, and the subway is roughly $96 per month, while Regional Rail passes cost more depending on zone. Enter the price that matches your route.

What is the IRS standard mileage rate?

The IRS standard mileage rate is a per-mile figure that approximates the full cost of operating a car, including fuel, maintenance, tires, and depreciation. This tool uses 67 cents per mile as the all-in driving cost option.

Should I use gas-only or the full IRS rate?

Gas-only shows your out-of-pocket fuel cost, which is lower. The IRS rate reflects the true total cost of ownership including wear and depreciation, which is more honest for a long-term comparison.

Does parking really matter that much?

Yes. Center City Philadelphia monthly garage parking can run $165 or more, which often makes driving more expensive than a SEPTA pass even before fuel is counted.

Are tolls or bridge fees included?

No tolls are built in. If your commute crosses a tolled bridge such as the Ben Franklin, add that monthly cost to your parking field to capture it.

Philadelphia Commute Cost Calculator

What your Philadelphia commute really costs

Many Philadelphia commuters compare only the gas pump to a SEPTA pass, but driving also burns tires, maintenance, and depreciation, and Center City parking can dwarf both. This calculator builds a fair monthly comparison by pricing your drive two ways, fuel-only and full IRS mileage, then stacking parking on top, and setting that against the transit pass you actually buy.

How it works

Monthly miles come from your one-way distance, doubled for the return trip, times your commute days. Fuel cost divides those miles by your MPG and multiplies by the local gas price. The IRS option multiplies total miles by the standard rate, which already bakes in fuel, maintenance, and depreciation.

monthly_miles = oneWay * 2 * days
fuel_cost     = (monthly_miles / mpg) * gasPrice
irs_cost      = monthly_miles * 0.67
drive_total   = (irs OR fuel) + parking
transit_total = passPrice

The tool reports both the fuel-only and the all-in IRS view so you can decide which is realistic for you.

Example and notes

Suppose you drive 10 miles each way, 22 days a month, at 28 MPG, with gas at $3.50 and $165 parking. That is 440 monthly miles. Fuel alone is about (440 / 28) * 3.50 = $55, so fuel-plus-parking is $220. The IRS all-in view is 440 * 0.67 + 165 = $460. Against a $96 SEPTA pass, transit wins decisively in both views. If you cross a tolled bridge, fold that into the parking field so nothing is missed.