I don't see how riding a bike to work actually saves money. You have to factor time into the equation.
Suppose your work is 20 miles away and you want to be a hipster prude who rides his bike to work every day. Getting your spandex on, putting your work things in those containers attached to their bike, pumping up your tires, preparing rain gear if it's raining, etc., must add up to like 15-30 extra minutes every day. Then, since you're riding at 20 mph rather than 40 like you would in a car, that's an extra 60 mins every day for the trip alone. So that's 1.5 hrs more time invested in traveling every day. Over a year, that's 550 hours per year, or $5500 lost if you're making $10/hr.
Does the $5500 in man hours lost really cancel out the money you'd be paying for gas and maintenance on a vehicle every year?