Lease vs Buy | Calctube

🚗

Lease vs Buy Calculator

Over 36 mo

🏦 Buy (finance)

Car price

Down payment

Loan APR (%)

Loan term (months)

Resale value at end

📄 Lease

Monthly lease payment

Lease down / drive-off

Lease term (months)

Cheaper over 36 months

Buying saves 4,353

Buy finance payment ≈ 535 / mo over 60 months.

Buy total

Cheaper

10,247

3,000 down + 19,247 payments − 12,000 resale

Lease total

14,600

2,000 down + 350 × 36 mo (own nothing at end)

✨ Live · Simplified: ignores taxes, fees, maintenance, insurance and the time value of money. Leasing suits frequent upgrades; buying suits long-term keepers.