Customize your assumptions
All fields start at zero. Enter realistic figures, quotes and costs to generate your estimate.
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Lease vs. Buy Car Calculator
Go beyond monthly payments to compare the total cost at the same horizon.
Transparent estimates
Results are calculated from the assumptions displayed above. They are educational planning estimates, not personalized financing offers, tax advice, insurance quotes, valuations, or guarantees. Verify terms with the applicable provider before committing.
What this calculator covers
Leasing and purchasing create different end-of-term obligations. The lease side estimates depreciation and rent charges using the entered capitalized cost, residual value and money factor.
How to use your estimate
The purchase side accounts for cash down payment, financed payments, remaining loan balance and estimated resale proceeds at the comparison date.
Important assumptions
This is a simplified comparison, not a quoted lease contract. Taxes, wear charges, early termination and other contract conditions may change the outcome.