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It's $112, which works out to roughly 45 rides or 1.5 rides a day. If you're someone working a M-F job and taking the subway there every day, a monthly pass is almost certainly cheaper than pay-per-ride.

If you can bike (which I do), though, the calculus quickly changes.

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Also many employers will let you buy it pre-tax. http://web.mta.info/mta/farebenefits.htm

In my experience, taking a bike on BART is a colossal PITA. Caltrain is years ahead.

Taking a bike on the subway is much harder, and usually seen as rude, because our cars are much smaller. Thankfully, our bridges have bike dedicated bike lanes, so taking them on the subway is not necessary.

I was astounded when I visited SF, usually seen as much more bike friendly than NY, and I saw that east bay riders still had to rely on the BART to get them into the city. The fare between West Oakland and Embarcadero alone is more than a subway ride.

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