Lease vs Buy Car Calculator
See whether leasing or buying is cheaper over the period you actually keep the car.
Buy / finance
Lease
Buy monthly payment
$685
60-mo term, 6.50% APR
Lease monthly payment
$498
36-mo term • money factor × 24 ≈ APR 3%
Buy cost (cash + finance − resale)
$24,089
Lease cost (total paid, no equity)
$22,925
Lease costs $1,164 less, but you've built no equity. Buy is favored only if you keep the car longer than the lease term.
Money factor × 2400 ≈ APR. Mileage overage is typically 25¢/mi — run realistic miles before leasing.
このツールについて
Enter price, down payment, money factor / interest rate, residual %, lease term, and how long you keep the car. Get net out-of-pocket, monthly payment, and total cost for lease vs buy + finance + sell, with a clear verdict. The r/askcarsales 'lease vs finance' classic.
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