Lease vs Buy Car Calculator

Compare the true cost of leasing versus buying over the same period to make a smarter decision.

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Purchase (Buy) Details

Lease Details

What the car is worth after lease term

Additional Costs (Monthly)

+ if buying costs more, - if lease costs more
+ if buying costs more (older car maintenance)
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—

Buy

—
Total Cost
Down Payment—
Monthly Payment—
Total Loan Payments—
Interest Paid—
Insurance + Maintenance Extra—
Equity at End—
Net Cost (Cost - Equity)—

Lease

—
Total Cost
Due at Signing—
Monthly Payment—
Total Lease Payments—
Insurance + Maintenance Savings—
Equity at End$0
Net Cost—

Monthly Cost Comparison

BuyLease
Base Payment
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Insurance Diff
——
Maintenance Diff
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Total Monthly
——

Total Cost Comparison

Buy (Net Cost)—
Lease (Net Cost)—
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Disclaimer: This tool is for informational and educational purposes only. It does not constitute financial, legal, tax, or professional advice. Results are estimates based on the information you provide and may not reflect actual costs, obligations, or outcomes. Consult a qualified professional before making decisions based on these calculations. StellarClose LLC is not liable for actions taken based on information provided by this tool.

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