Compare the true cost of buying versus leasing with real depreciation data by vehicle type.
Car / Sedan
Average 49% depreciation over 5 years
Truck / SUV
Slower depreciation, ~43% over 5 years
Electric Vehicle (EV)
Faster depreciation, ~57% over 5 years
Average 2026 money factor: 0.0025 (6.0% APR)
Payment Calculator
Calculate monthly payments and detect rate markups
Total Cost of Ownership
See the full 5-year cost including insurance and fuel
Trade-In Estimator
Know your current car's value before visiting the dealer