Lease vs Buy Calculator

Lease payments and drive-off on one side, loan, down payment and resale value on the other: net cost over the same horizon.

Formula

Net cost of buying = Down payment + Σ Monthly payment + Loan amount restant − Estimated resale value ; Total lease cost = Monthly lease payment × n + Due at signing

Assumptions

Standard amortising loan with fixed payments, excluding loan insurance, taxes and incentives: add them for your offer and country. Indicative only — not financial advice.

How to read it

Leasing often costs more over the term, but it fixes the budget and removes resale risk. Check the included mileage, return fees and the purchase option — that is where the real gap is decided. Lease offers vary a lot by market.

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