Question 1

How is the amortisation of an electric car calculated?

Accepted Answer

The break-even is the point where the cumulative cost curve of the EV falls below that of the combustion car. Decisive factors: higher EV purchase price minus subsidies vs. annual savings on fuel and maintenance.

Question 2

What effect does a solar power system have on amortisation?

Accepted Answer

Self-generated PV electricity costs a net of almost €0. With a 50% PV share, electricity costs are halved – this can shorten the break-even time by 2-5 years.

Question 3

What subsidies are available for electric cars in Austria in 2026?

Accepted Answer

In 2026, there will no longer be a nationwide EV purchase premium. The following remain: Wallbox subsidies (EVU/federal states), tax deductibility for companies, and the NoVA exemption.

Question 4

Are electric cars really cheaper to maintain?

Accepted Answer

Yes, significantly. No engine oil, no spark plugs, no timing belts. Studies show 30-50% lower maintenance costs. Main cost points: tires, fluids, and brakes (spared by recuperation).

Question 5

How strongly do energy price fluctuations influence the result?

Accepted Answer

Very strongly. +10 cents/kWh of electricity at 15,000 km/year, 18 kWh/100km = +€270/year. Use the input fields for price scenarios.

Question 6

Why are the insurance costs for EV different?

Accepted Answer

EVs are subject to the engine-related insurance tax (MVS) based on kW. Since many EVs have high performance, the MVS can be higher. The liability premium itself is usually comparable.

Question 7

What is a realistic break-even point?

Accepted Answer

With typical assumptions (15,000 km/year, petrol €1.65, electricity €0.28, EV €8,000 more expensive, €600 maintenance savings/year), the break-even is usually between 6 and 12 years. With PV or higher mileage, significantly earlier.

Question 8

Should I include wallbox costs?

Accepted Answer

Yes. Wallbox incl. installation €800-2,500. Without a wallbox, charging via Schuko is possible, but slow and not optimal for the battery.

Question 9

How realistic is the 15-year projection?

Accepted Answer

The projection assumes constant prices. In reality, electricity and petrol prices fluctuate. After approx. 250,000-350,000 km, a battery replacement may be necessary (€8,000-20,000).

Question 10

Is an EV worthwhile at less than 10,000 km/year?

Accepted Answer

With very low mileage, the higher initial costs take longer to pay off. Under 8,000 km/year, a PHEV or used ICE is often more economical – except with PV electricity.

Costs & Amortisation

⛽ Combustion Car

⚡ Electric Car

Shared Parameters

Annual Cost Comparison

📈 Break-Even Over 15 Years

Frequently Asked Questions about Amortisation

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