The optimal charging schemes for Electric vehicles (EV) generally differ from each other in the choice of charging periods and the possibility of performing vehicle-to-grid (V2G), and have different impacts on EV economics. Regarding these variations, this paper presents a numerical comparison of four different charging schemes, namely night charging, night charging with V2G, 24 hour charging and 24 hour charging with V2G, on the basis of real driving data and electricity price of Denmark in 2003. For all schemes, optimal charging plans with 5 minute resolution are derived through the solving of a mixed integer programming problem which aims to minimize the charging cost and meanwhile takes into account the users' driving needs and the practical limitations of the EV battery. In the post processing stage, the rainflow counting algorithm is implemented to assess the lifetime usage of a lithium-ion EV battery for the four charging schemes. The night charging scheme is found to be the cheapest solution after conducting an annual cost comparison.