Auto & Vehicle
Lease vs Buy Calculator
Analyze whether leasing or buying makes more sense for your situation. Compare total out-of-pocket costs, monthly payments, and long-term value of each option over the same time period.
Vehicle value at lease end
Lease Monthly
$450.00
Buy Monthly
$611.24
Total Lease Cost
$18,200.00
Total Buy Payments
$44,674.23
Vehicle Value Retained
$22,000.00
Net Buy Cost
$22,674.23
Difference
-$4,474.23
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How This Calculator Works
Compares total cost to lease (down + payments) versus total cost to buy (down + payments - residual value at the equivalent time). Buying cost is adjusted for equity retained in the vehicle.
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Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the information you provide and standard financial formulas. Actual loan terms, rates, and payments may vary. This is not financial advice. Please consult with a qualified financial professional and verify all figures with your lender before making borrowing decisions.