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.

Sobre esta ferramenta

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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