Buy vs Lease Calculator
Compare 3-year total cost of buying vs leasing a car.
Inputs
Results
Buy (3yr)
$19856
Lease (3yr)
$14400
Cheaper
Leasing
How to use this calculator
- 1Enter purchase price, down payment, and loan APR.
- 2Enter lease monthly payment from dealer quote.
- 3Include expected resale value when buying — net cost matters, not just payments.
Pro tips
- Also try our Car Loan and Auto Lease calculators for payment details.
Frequently Asked Questions
How to Use
About the Buy vs Lease Calculator
What it calculates
Compares 3-year total cost of buying (with loan) vs leasing the same vehicle.
When to use it
Use when deciding between financing a purchase or a 36-month lease.
Example
Buy total $22k vs lease total $14.4k over 3 years — but buying leaves you an asset worth resale value.
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