CALCULATOR

Lease vs. Buy Car Calculator

Compare estimated out-of-pocket costs for leasing and buying a vehicle over the same period.

ESTIMATE

Compare both scenarios using the same ownership period.

Lease cost$—
Buy net cost$—
Buy payment$—
Comparison

This simplified comparison excludes taxes, insurance, maintenance, lease-end charges and financing fees unless included in your inputs. A purchased vehicle's estimated end value is treated as an offset to its cost.

About this calculator

Leasing and buying have different cash-flow patterns. This tool compares lease payments and upfront costs with the estimated cost of buying, then subtracts the vehicle's estimated value at the end of the comparison period.

Frequently asked questions

Why subtract the vehicle's ending value?

A purchased vehicle is an asset you can sell or trade. Subtracting its estimated ending value gives a rougher measure of the cost of using the vehicle rather than simply adding every payment.

Is this a lease contract quote?

No. Actual lease costs can vary based on money factor, residual value, taxes, mileage limits, acquisition fees and other terms.

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