In message
,
Sunil Sood writes

Does anyone know of a website which is able to calculate whether using
PAYG Oyster or an annual Travelcard is better value for an individual?

I don't, but I can't see how PAYG would ever be cheaper than an annual
Travelcard for somebody making the same journey for 5 days a week
throughout most of the year. Although there is a big up-front payment,
with interest rates at their current low levels I suspect that an annual
travel card will always be cheaper - and, of course, it can also be used
for shopping or leisure trips at any time without additional cost.

The advantage of PAYG is for occasional travellers, part-time workers,
those that often wish to go beyond their Travelcard zones, tourists, and
the like.
--
Paul Terry