Car Lease vs Buy Calculator
Automotive Acquisition Strategy
Car Lease vs Buy Calculator – Financial Comparison & Resale Equity
Compare the total out-of-pocket and net wealth cost of leasing versus buying a car over the same period. Factors in upfront payments, mileage overages, and vehicle resale equity.
Vehicle Benchmark Price
$
Option A: Lease Terms
$
$
Option B: Purchase Terms & Resale
$
$
Comparison Verdict
Net Cost Comparison
$0 Cheaper
Buying is financially advantageous over 36 months
Total Net Lease Cost
$0
includes $0 overage fees
Total Net Buy Cost
$0
payments minus resale equity
Monthly Equivalent (Lease)
$0/mo
all-in lease expenditure
Monthly Equivalent (Buy)
$0/mo
true monthly wealth reduction
3-Year Financial Outcome Summary
Lease Option
$0
$0 Remaining Equity (Return Key)
Buy Option
$0
+$22,000 Owned Asset Worth
Lease vs Buy Principles: Leasing provides lower monthly cash outflow and warranty protection, but leaves zero equity at lease-end. Purchasing builds trade-in equity, but bears all long-term depreciation and maintenance risks beyond warranty.