The overall calculation is very personal to each household.

Do you even need a car?

Do you live in a house or an apartment?

If you're in an apartment, is there car parking with charging infrastructure?

If you're in a house, do you own it or are you renting?

Do you have solar panels?

How long is your daily drive?

How often do you need to travel further than the car's range?

How much can the car recharge overnight?

Can you plug the car in anywhere to charge overnight?

What public charging infrastructure is nearby?

What rate are you charged for electricity?

I'm in a house with solar and battery and have had a 2014 Nissan Leaf for nearly two years. It costs $11k, and in that time has saved us around $2,500 in petrol. We've since purchased another EV, replacing a petrol family car, both of which have about the same range with a 'full tank', except the EV costs about $5 to go from empty to full whilst the petrol car was about $70. We've only had the new one about 3 months, so I can't speak to reliability over an extended period. Both cars are charged overnight just at 10A, 240V, no fast charge and so far they cover our normal daily usage no worries.

I'm aware that I'm lucky in that my situation seems to be a perfect use-case for EVs.

(I'm also not in the US, and so the recent EV was cheaper or at least comparable to equivalent petrol cars; someone mentioned a 'payback period', in my case it doesn't apply).