This article has been recalculated from verified vehicle inputs. Under the common reference scenario, MG4 Electric Standard 2025 has the lowest five-year ownership cost at 122 431 PLN, or 2 041 PLN per month. Every TCO figure below comes from the application RealTCO v5.0 engine.
One scenario for every vehicle
The calculation assumes a new vehicle in Poland, cash purchase, 15,000 kilometres per year and five years of ownership. The road mix is 40 percent city, 35 percent local roads and 25 percent motorway. The driver has a garage, a home charger and a dynamic electricity tariff. Financing and purchase subsidies are excluded. Petrol is set to 6.50 PLN per litre, diesel to 6.80 PLN and LPG to 3.20 PLN. These assumptions make the comparison reproducible, but they are not a quote for every driver.
RealTCO v5.0 results
| Item | Tesla Model Y Standard 2026 | Hyundai Ioniq 5 LR RWD 2025 | VW ID.4 Pro 2025 | MG4 Electric Standard 2025 |
|---|---|---|---|---|
| Purchase price | 189 990 PLN | 231 300 PLN | 179 990 PLN | 130 900 PLN |
| Depreciation | 97 259 PLN | 127 215 PLN | 106 194 PLN | 79 788 PLN |
| Energy or fuel | 4 332 PLN | 4 656 PLN | 5 658 PLN | 4 797 PLN |
| Insurance | 26 366 PLN | 26 968 PLN | 21 222 PLN | 17 576 PLN |
| Service and repair risk | 4 377 PLN | 3 638 PLN | 4 240 PLN | 4 120 PLN |
| Tyres | 9 300 PLN | 11 700 PLN | 9 300 PLN | 9 300 PLN |
| Five-year net TCO | 148 485 PLN | 182 028 PLN | 155 665 PLN | 122 431 PLN |
| Average monthly ownership cost | 2 475 PLN | 3 034 PLN | 2 594 PLN | 2 041 PLN |
| Cost per kilometre | 1.98 PLN/km | 2.43 PLN/km | 2.08 PLN/km | 1.63 PLN/km |
| Projected value after five years | 92 731 PLN | 104 085 PLN | 73 796 PLN | 51 112 PLN |
Net TCO is not the same as all cash paid before resale. The engine adds purchase and operating expenditure, then subtracts the projected value of the vehicle at the end of year five. The monthly number is exactly net TCO divided by 60 months. Cost per kilometre uses the same net result divided by 75,000 kilometres. This prevents a common error where total expenditure is called TCO while the monthly figure is calculated from a different base.
How to interpret the ranking
Depreciation is usually the largest and least certain component. The residual value is a model estimate, not a guaranteed buy-back offer. A future transaction will depend on mileage, condition, accident history, battery health, market supply and changes in new-car prices. A small difference between two vehicles should therefore be treated as a scenario result, not as a promise. The table is most useful when it shows which cost category creates the gap and how large the gap is relative to total ownership cost.
Energy and fuel costs use the same annual mileage and road split for every column. Service, repair risk, insurance and tyres are also generated by the application engine. No hand-written monthly lease instalment, guessed promotion or foreign-market price is used as TCO. If a manufacturer changes a Polish list price or replaces a model year, the vehicle record must be updated and the engine run again before the article is republished.
Input sources
- https://www.tesla.com/pl_pl/modely/design
- https://dmassets.hyundai.com/is/content/hyundaiautoever/Cennik-IONIQ5-PY2026-MY2027pdf
- https://cenniki.volkswagen.pl/Cennik-ID-4.html
- https://cdn.mgmotor.eu/files/Cennik_MG4_EV_R25_02_04_2026.pdf
Why verified inputs matter
A model name alone is not enough. Battery size, drivetrain, trim, model year and price must describe the same vehicle. Mixing the price of a base version with the battery of a higher trim can move depreciation and energy costs in opposite directions. For a used car, the price must be identified as a market snapshot. For a plug-in hybrid, fuel consumption after the battery is depleted is essential. If a Polish price or a required technical input is missing, the responsible result is no TCO.
What can change your result
Higher annual mileage gives energy, tyres and servicing more weight. Public rapid charging can materially raise an electric vehicle's energy bill. Credit, leasing and long-term rental add interest, fees and contract limits that are absent from this cash scenario. Insurance varies by driver and postcode. Ownership duration also matters because early depreciation is not linear. Users should rerun the calculator with their actual mileage, charging access, financing and intended holding period before making a purchase decision.
Conclusion
For the stated reference case, MG4 Electric Standard 2025 is the lowest-cost option among the vehicles shown. The result answers a cost question only. It does not score comfort, charging convenience, luggage space, performance or dealer support. Use the table as an auditable starting point, then calculate your own scenario in the CzymPojade.pl calculator.
Liczby w artykule pochodzą z silnika TCO v5.0 opartego na danych TÜV/ADAC/URE, weryfikowanego na 412 testach i 644 modelach pojazdów. Masz uwagi merytoryczne?Napisz: kontakt@czympojade.pl