A system and method for intelligent battery charging management to improve battery life and charging efficiency of high capacity batteries that may not be deeply discharged on a regular basis may learn driving habits automatically and/or with user input and select an ending state-of-charge (SOC) to limit battery charging to less than maximum capacity based on current and/or anticipated ambient temperature and battery health of life (HOL). An expected vehicle travel distance before the next charge may be learned or determined based on vehicle or user inputs. An ending SOC based on battery temperature, a delta SOC to meet propulsive energy for the expected travel distance, cycling effect (depth of discharge) on battery HOL for a given delta SOC, and/or battery working efficiency may be used to control charging of the vehicle battery.