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Car Lease vs Buy Calculator
See which is cheaper over the period — buy or lease
See how it works Vehicle Hub → Loading tool...
About this tool
Most lease-vs-buy debates ignore one of the two big costs. This free Car Lease vs Buy Calculator runs both sides of the math fully: on the buy side, down payment + amortised loan total + expected resale value; on the lease side, upfront fee + monthly payment × months. You see which option costs less over the same period and by how much. Useful for individuals deciding personal car ownership, dealers advising customers, fleet managers benchmarking acquisition strategies, and CFOs deciding fleet financing.
How to use it
- 1 Enter the vehicle price and your planned holding period (years)
- 2 Fill the BUY side: down payment, loan APR, expected resale
- 3 Fill the LEASE side: upfront fee, monthly payment
- 4 See the total cost and the verdict
What you get
- Honest full-cost math on both sides
- Amortised loan calculation, not flat estimate
- Includes resale value on the buy side
- Clear winner verdict with euro delta
Vehicle Hub Do it for every case with Vehicle Hub
Compare one lease vs buy — or run live lease/buy projections across your whole fleet with auto-attached costs in Vehicle Hub.
Cancel anytime · No long-term contract · 14 days free
