Every number, out in the open.

Every contribution is calculated at the IRS mileage rate and split evenly across everyone in the car. Plug in your commute below — see your own numbers.

Your commute, your numbers.

Adjust the sliders. The numbers update as you go.

30 mi

How many miles you share with the driver — their route and yours overlap.

3

Driver + 2 riders. HOV + HOT lanes + 50% bridge toll discount.

$4

$4 carpool discount rate (Bay Area bridges, 3+ occupants during carpool hours).

Each rider contributes
$8.88
$7.25 share of operating cost + $1.33 toll share + $0.30 processor fee
Driver's own cost drops to
$8.58
What was $25.75 alone is now $8.58 — same commute, same car.
Driver saves
$17.17
Per commute, compared to driving alone.

Three inputs. No magic.

Input 1

The IRS mileage rate

For 2026, the IRS sets the standard business mileage rate at 72.5¢ per mile (effective Jan 10, 2026). This rate is the IRS's calculation of the true cost of operating a car — gas, wear, maintenance, insurance, depreciation. It's updated every year based on actual nationwide data.

We use it because it's honest, neutral, and stands up to any audit.

Input 2

Tolls, split fairly

Bridge tolls and toll-road charges are detected by the app and split evenly across everyone in the car. At three occupants or more, Bay Area bridges offer a 50% carpool discount, and express lanes are free. Each rider pays only their share.

When you drive with two riders, your own toll share drops by two-thirds.

Input 3

The credit card fee

Stripe, the credit card processor, charges a small fee to handle the transaction — roughly 3.5% of the contribution. The rider absorbs this so the driver receives the full IRS-rate reimbursement. Fair to both sides.

Without this, the driver would effectively lose a few cents per mile.

The real savings.

For the driver — the person whose car this is — the comparison that matters is to what they'd be paying to drive alone. The difference is the savings.

Driver saves
$17.17
per commute, compared to driving alone
Solo driver
$25.75
With Nubly™
$8.58

30 miles at IRS rate, plus the full toll. Riders cover the rest — you keep driving where you were going anyway, just not alone.

Oh, and you'll probably get to work faster.

Three Bay Area commutes.

Rough examples for common corridors. Your specific commute will vary — use the calculator above for your own numbers.

Fremont → San Francisco

East Bay to downtown. Bay Bridge, carpool discount, HOV lane.

Each rider pays$8.88
Driver's cost drops to$8.58
Driver saves$17.17

Redwood City → San Francisco

Peninsula corridor. No bridge, but HOV/HOT lane access.

Each rider pays$6.75
Driver's cost drops to$6.52
Driver saves$13.05

Oakland → Palo Alto

Reverse commute. San Mateo Bridge carpool discount.

Each rider pays$9.79
Driver's cost drops to$9.46
Driver saves$18.92

Every receipt shows the same math.

Not an algorithm. Not a dynamic price. Just: miles × IRS rate ÷ occupants, plus toll share, plus the card processor's fee. The same formula every trip. Shown to you every time.