Lease vs Buy Car Calculator

See whether leasing or buying is cheaper over the period you actually keep the car.

Buy / finance

Vehicle price ($)

Down payment ($)

Finance term (months)

Finance APR %

Hold for (years)

Resale at end ($)

Lease

Term (months)

Money factor (e.g. 0.00125)

Residual value ($)

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.

Over deze tool

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.

Vergelijkbare tools

Meer rekenmachines die je misschien handig vindt.

Rent Affordability Calculator

Find out how much rent you can afford based on your income.

Shopify Shipping Simulator

Estimate shipping cost and margin on a Shopify order.

Appliance Energy Cost Calculator

Calculate how much an appliance costs you per month and per year.

Andere categorieën

Zoek je iets anders? Blader door de rest van de catalogus.

Gesponsorde suggesties

Found a money leak? Track every dollar with a budgeting app
YNAB, Monarch, and Copilot Money all offer free trials. We use YNAB ourselves.
Save on your energy bill: pick a cheaper electricity rate
Compare local rates in 2 minutes with EnergySage (US).
Like this site? You'll love our weekly newsletter
One new tool, one fresh Reddit pain point, every Friday. No spam.

Sommige links hieronder zijn affiliatelinks. We kunnen een commissie verdienen als je via deze links koopt, zonder extra kosten voor jou.

Tool voorstellen