Car Lease vs. Buy Calculator — Free Online Calculator & Formula Guide
Compare the true total cost of leasing vs. buying a vehicle over the same time period. Accounts for depreciation, equity, and total payments.
✓ Formula verified: May 2026
Lease vs. Buy
Results below
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Over 24 months, buying costs less
Save $20,107
Total Lease Cost (24 mo)
$12,800
Net Buy Cost (24 mo, incl. equity)
$-7,307
Est. Vehicle Value After Term
▲ $28,900
What if your vehicle msrp / price changes? $36000 → Save $19,113 · $40000 → Save $20,107 · $44000 → Save $21,100
Scenario Comparison
Conservative (5%)
$16,470.09
$6,470.09 interest
Your scenario (7%)
$20,096.61
$10,096.61 interest
Aggressive (10%)
$27,070.41
$17,070.41 interest
High-risk (14%)
$40,224.71
$30,224.71 interest
Best return
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Lease vs Buy
Lease
$12,800
Buy
$-7,307
Lease Cost
$12,800
Net Buy Cost
$7,307
Estimated Vehicle Value After Term
$28,900
Save $20,107
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