EVCostIQ

The EV cost intelligence platform

Electric vs petrol: what does owning a car in the Netherlands really cost?

As of 1 July 2026: of the 39 models we track in the Netherlands, the cheapest car to own over 5 years is the Kia Picanto 1.0 at €27,654 — petrol. The cheapest electric car, the MG4 Standard (51 kWh) (€37,169), costs about €9,515 more — we say plainly when the petrol or hybrid car wins.

What an electric car really costs to own in the Netherlands — versus petrol and diesel: depreciation, charging at 0.28 €/kWh, maintenance, insurance, road tax and financing. Every figure with its source and date.

Nederlands

Example comparison — change the vehicles belowOver 5 years, the Kia Picanto 1.0 (petrol car) is the cheapest at €27,654 — about €15,557 less than the Tesla Model 3 Standard (€461/mo, €0.50/km).

Total cost of ownership, cheapest first

Lowest cost Petrol

Kia Picanto 1.0

€27,654 / 5 yr
€461/mo€0.50/km
Lowest 5-yr cost
Electric

Tesla Model 3 Standard (RWD)

€43,211 / 5 yr
€720/mo€0.79/km
+€15,557 more than the Kia Picanto 1.0 (56%)
Electric

Tesla Model Y Standard (RWD)

€47,327 / 5 yr
€789/mo€0.86/km
+€19,673 more than the Kia Picanto 1.0 (71%)

Cumulative cost over time

Total spend by year — purchase, charging/fuel, depreciation, insurance and financing combined. Where two lines cross is your break-even point.

Tesla Model Y StandardKia Picanto 1.0Tesla Model 3 Standard
Cumulative cost of ownership by year for each vehicle The full data is available in the breakdown table below. €0€12,778€25,557€38,335€51,1130yr 1yr 2yr 3yr 4yr 5Tesla Model Y StandardKia Picanto 1.0Tesla Model 3 Standard

Tesla Model Y Standard never beats Kia Picanto 1.0 within 5 yrs · Tesla Model 3 Standard never beats Kia Picanto 1.0 within 5 yrs

Where the money goes (full breakdown)

Total cost of ownership — EUR
Cost componentElectric · Tesla Model Y StandardGas · Kia Picanto 1.0Electric · Tesla Model 3 Standard
Depreciation (estimated)€30,972 (65%)€11,830 (43%)€27,950 (65%)
Charging / fuel€3,413 (7%)€6,564 (24%)€3,071 (7%)
↳ of which charging loss12% (~€410)12% (~€369)
Maintenance€1,898 (4%)€3,102 (11%)€1,898 (4%)
Insurance€3,900 (8%)€3,300 (12%)€3,900 (9%)
Financing interest€7,145 (15%)€2,859 (10%)€6,393 (15%)
Registration & taxes€0 (0%)€0 (0%)€0 (0%)
Total cost of ownership€47,327€27,654€43,211

Reference data for the Netherlands

Electricity price
0.28 €/kWhCBS · 1 July 2026
Fuel price
2.21 €/lCBS
Charging loss
12 %EPA / SAE J1634
Maintenance
Electric €380 · Petrol €620est.
Insurance
Electric €780 · Petrol €660est.

Model prices vs the true 5-year cost

Every model we cost, cheapest to own first — tap a column to sort by price or true 5-year cost, or filter by type.

Model prices vs the true 5-year cost to own, cheapest to own first.
Type
Kia Picanto 1.0Petrol€18,200€27,654€461
Toyota Aygo X HybridHybrid€23,750€29,038€484
Toyota Yaris 1.5 HybridHybrid€25,900€30,080€501
Volkswagen Polo 1.0 TSIPetrol€24,500€32,813€547
Toyota Corolla 1.8 Hybrid 140 (hatch)Hybrid€32,995€36,376€606
Toyota Yaris Cross 1.5 Hybrid 130Hybrid€33,295€36,606€610
MG4 Standard (51 kWh)Electric€29,985€37,169€619
Kia Niro Hybrid ComfortLineHybrid€36,195€38,831€647
Toyota C-HR 1.8 HybridHybrid€36,495€39,912€665
Renault 5 E-Tech Electric comfort range 150 (techno)Electric€33,290€40,015€667
Renault Megane E-Tech EV60 (Business Ed.)Electric€32,990€40,028€667
Hyundai Kona 1.6 GDI Hybrid ComfortHybrid€37,295€40,040€667
Skoda Octavia 1.5 TSIPetrol€34,000€41,139€686
Skoda Elroq 50 / 60Electric€34,990€41,779€696
Toyota Corolla Cross 1.8 Hybrid 140Hybrid€39,495€41,971€700
Volvo EX30 Single Motor Extended RangeElectric€34,995€42,056€701
Tesla Model 3 Standard (RWD)Electric€36,990€43,211€720
Kia EV3 Standard Range (58.3 kWh)Electric€36,995€43,534€726
Volkswagen Golf 1.5 eTSI mild-hybridPetrol€37,500€43,951€733
Ford Kuga Plug-in Hybrid Trend Business (PHEV)Plug-in hybrid€38,990€44,657€744
Peugeot e-2008 50 kWh ActiveElectric€38,970€45,534€759
Volkswagen ID.3 ProElectric€38,990€45,576€760
Tesla Model Y Standard (RWD)Electric€40,990€47,327€789
Kia EV3 Long Range (81.4 kWh)Electric€41,995€48,457€808
Skoda Elroq 85Electric€44,180€50,565€843
Volkswagen ID.4 Pro (RWD)Electric€44,194€50,692€845
BMW iX1 eDrive20Electric€46,405€52,255€871
Audi Q4 e-tron edition (150 kW)Electric€45,990€52,387€873
Volkswagen Tiguan 1.5 eHybrid (PHEV)Plug-in hybrid€47,500€52,451€874
Volvo EX40 Single Motor Extended RangeElectric€48,995€55,245€921
Volkswagen ID.7 ProElectric€52,250€58,066€968
Lexus RZ 300eElectric€54,495€60,208€1,003
BMW i4 eDrive35Electric€60,700€65,858€1,098
Volvo XC60 plug-in hybrid T6 AWD (Essential)Plug-in hybrid€61,995€66,295€1,105

Head-to-head comparison

Costs by model

SEPP purchase subsidy (wound down): the Subsidie Elektrische Personenauto's Particulieren (SEPP — the national purchase subsidy for private buyers) gave private buyers up to €2,950 on a new and €2,000 on a used electric car. The budget is exhausted and there is no national purchase subsidy any more for new applications. Some provinces or municipalities still run a scheme of their own, but not every buyer qualifies — which is why we list this separately and do not count it in the totals above. Source: RVO / Rijksoverheid (national government), as of . Check availability and budget yourself before you buy.

Bijtelling (company-car benefit tax, business drivers): if you drive a company car privately, a fully electric car gets a reduced bijtelling rate of 17% in 2026 on the first €30,000 of list price and 22% on the remainder; petrol and diesel cars pay 22% on the full value. This is not a cash subsidy but a lower tax on your salary, and it applies only to business drivers. The discount is phased out step by step from 2026. We show it separately and apply it only to the electric car — not to the petrol car. Source: Belastingdienst (Dutch tax authority), as of .

Road tax (motorrijtuigenbelasting, mrb): electric cars get a quarter rate in 2026 — you pay just 25% of the mrb, despite the extra weight of the battery pack; from 2026 this discount is being phased out. It is not a cash subsidy but a tax you don't pay: a petrol car easily costs €600–1,000 a year in mrb — and the electric car saves part of exactly that difference. Plug-in hybrids pay a half rate. Basis: Belastingdienst / mrb rates, as of .

Purchase tax bpm (for clarity): electric cars were exempt from bpm (the Dutch vehicle purchase tax) for years, but since 1 January 2025 EVs also pay bpm based on weight. The old full exemption no longer exists. If you still read that an EV is ‘bpm-free’: that is no longer true for new cars. We mention this here for clarity only and do not count any separate bpm discount in the totals.

FAQ

Is an electric car cheaper to own than a petrol car in the Netherlands?

At an average annual mileage usually not, as of 1 July 2026: the cheapest model we track in the Netherlands is the Kia Picanto 1.0 (petrol) at €27,654 over 5 years, while the cheapest electric car — the MG4 Standard (51 kWh) at €37,169 — costs about €9,515 more. High mileage or cheap home charging can tip the verdict; every comparison page shows exactly when.

Which electric car is the cheapest to own in the Netherlands?

As of 1 July 2026, the MG4 Standard (51 kWh) — about €37,169 over 5 years, everything included: depreciation, charging (charging loss included), insurance, maintenance, registration and taxes, and financing.

How much do electricity and fuel cost in the Netherlands right now?

We calculate with 0.28 €/kWh for home electricity (CBS) and 2.21 €/l for fuel (CBS), as of 1 July 2026.

What is included in the 5-year total cost?

Depreciation, charging or fuel (including the ~12% AC charging loss that most calculators leave out), insurance, maintenance, registration and taxes, and financing interest — every source dated.

How much does it cost to charge an electric car at home in the Netherlands?

About €5.09 per 100 km at home (0.28 €/kWh, including the ~12% charging loss), using the MG4 Standard (51 kWh) as the reference — versus about €15.47 to fuel a typical 7 L/100 km petrol car. Every electric model above links to its exact figure. Cost to charge an EV in the Netherlands →

EVCostIQ in other countries

Estimates for planning, not financial advice. Depreciation, insurance and maintenance are dated estimates for the the Netherlands market. How we calculate →

Official Dutch BPM depreciation schedule

The Netherlands publishes an official BPM depreciation table (the Belastingdienst forfaitaire afschrijvingstabel) — a fiscal figure for import tax, not a market resale price. See the verbatim schedule and how it differs from the market depreciation in our 5-year totals. The official BPM depreciation schedule →