Lease vs Buy Calculator

Compare the true cost of leasing versus buying a vehicle. See total out-of-pocket, monthly costs, and which option saves more over time.

🚗 Vehicle & Lease Details

Vehicle MSRP ($)

Negotiated Price ($)

Lease Down / Due at Signing ($)

Lease Payment ($/mo)

Lease Term (months)

Buy Down Payment ($)

Loan APR (%)

Loan Term (months)

Annual Depreciation (%)

How Long Will You Keep It? (years)

🔄 Leasing Winsby $3,200

Due at Signing$2,000

Total Lease Payments$12,600

Leases Needed (for 5 yrs)2

Total Lease Cost$29,200

Down Payment$5,000

Total Loan Payments$36,120

Total Interest$5,120

− Resale Value (after 5 yrs)−$15,900

Net Cost of Buying$25,220

Lease $/mo

$350

Buy $/mo

$602

$/mo After Payoff