⚖️ Lease vs. Buy Calculator

Total cost comparison over the full term, not just the monthly payment.

Quick answer: leasing at $400/mo for 36 months (plus $1,090 in fees) totals $15,490. Buying the same term with a $30,000 price, $3,000 down, and a 6% APR loan — minus an assumed $15,000 resale value — totals about $17,570. In this example leasing comes out about $2,080 cheaper, but that flips easily depending on your resale assumption and lease terms. Enter your own numbers below.