Lease vs. Buy Auto Calculator
Compare the true net cost of leasing a car against buying it.
Read the guide: Budgeting & Cash FlowLease Details
Purchase & Loan Details
Monthly Purchase PaymentUS$658
Verdict at end of 36-month lease
Buying is cheaper by US$616 at this point.
Net Cost to Buy (at month 36)
US$20,118
Total paid minus the vehicle equity you still own.
Total Cost to Lease (36 months)
US$20,734
All payments and fees; you return the car with zero equity.
Net True Cost Over Time
- Net Purchase Cost (out-of-pocket − equity)
- Total Lease Cost
Leasing usually looks cheaper early on due to lower monthly payments. Buying pulls ahead as you build equity and the loan is repaid — the net purchase line keeps falling after the lease ends, while a new lease would restart the amber line from scratch.