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Buy vs Lease Calculator

Compare the true cost of buying versus leasing with real depreciation data by vehicle type.

Buy

Lease

Average 2026 money factor: 0.0025 (6.0% APR)

How It Works

1

Enter Vehicle Info

Enter the MSRP, negotiated price, and down payment.

2

Set Buy & Lease Terms

Enter APR, loan term, money factor, residual, and lease term.

3

Compare at 3 & 5 Years

See side-by-side total cost, vehicle equity, and true cost comparison.

3
Vehicle types
Real
Depreciation data
100%
Free, always

Buy vs Lease FAQ