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My wallet cried a little when I bought new bike, then I calculated the cost of alternative (car, public transport) and was surprised that even nicer bike is cheaper.
If I count only operating cost of car it will pay off in about 1 - 1.5 years. Public transport is at about 2 years.
Yes I know that I have some infrastructure, and other things that make it possible for me to use it everyday as car.
Also I stay fit and healthy when I don't sit in a car - so this is another value that can't be easily put in monetary perspective.
I did the same math when I bought my bike. How many times do I have to ride it to work to break even on this purchase? And as soon as I hit that threshold I never touched the thing again. Turns out I hate riding a bike.
It doesn't have to be an either/or proposition. You can restrict your riding to only beautiful days when you're feeling good and it'll still make a difference.
That's actually what I tried to do. But I live in Seattle. 9ish months of cold wet days means I'm in terrible shape when the beautiful summer comes around, then by the time I'm back in shape, it's time to hibernate again.