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Car Lease vs. Buy Calculator

Compare the true cost of leasing and financing a car.

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Car price

Lease monthly payment

Lease due at signing

Lease term (months)

Loan APR %

Loan term (years)

Down payment (buy)

Expected value after lease term %

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Lease total cost

18,120

Buy net cost (same period)

20,058

Loan monthly payment

586.98

Better deal

Lease

Result

Over 36 months, leasing saves about 1,938. Buy cost = payments made minus the equity you'd own (car value − remaining loan).