Lease vs. Buy Calculator
Clear assumptions. Useful comparisons. A more informed next step.
The full picture
Go beyond the monthly payment.
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Frequently asked questions
Which option is actually cheaper?＋
It depends on the payments, upfront costs, comparison period, financing terms and future resale value. This tool compares equal periods and subtracts the buyer’s net vehicle equity from cash paid.
What is a money factor?＋
A money factor expresses a lease financing charge. Multiplying it by 2,400 gives an approximate annual percentage equivalent. This tool uses your quoted monthly lease payment, so a money factor is not required.
Do I get anything back at the end of a lease?＋
Returning a leased vehicle generally does not return equity to you. Buyout or trade opportunities depend on the contract and market value; this tool assumes you return the car and pay the end fees you enter.