Lease vs Buy Calculator (Car)

Compare the total cost of leasing versus buying the same car over a period — buying counts the resale value you keep.

Your details

Lease monthly payment$Lease down payment$Loan monthly payment$Loan down payment$Comparison periodCar value at end (if bought)$The equity you keep when buying.

Lease costs more by

$4,800.00

Lease total cost: $16,400.00
Buy net cost: $11,600.00

Lease vs buy cost

Lease total cost: $16,400.0059%
Buy total cost: $11,600.0041%

Lease costs more by$4,800.00

Formula

Lease cost = down + monthly × term. Buy net cost = down + monthly × term − resale value.

Sources & methodology

•CFPB — auto — CFPB

Last updated: 2026-07-20

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