Buying costs less by
$0
Total cost comparison over the selected period.
Car decision
Lease vs. Buy Car Calculator
Compare leasing a car with buying by estimating payments, upfront costs, resale value, maintenance, and total cost over the same period.
Lease vs. buy guide
What this lease vs. buy calculator does
This calculator compares leasing and buying a car over the same period using payments, upfront costs, loan terms, and estimated resale value.
Updated May 13, 2026. Educational estimate only.
How to use it
- Enter the car price and buy down payment.
- Add the loan APR and term.
- Enter lease payment and due-at-signing amount.
- Set a comparison period.
- Estimate resale value if buying.
Example
A lease may have a lower payment, but buying can win if resale value is strong and you keep the car longer.
Common assumptions
The calculator does not include insurance differences, registration, taxes, excess mileage, wear charges, or exact dealer fees.
Related calculators
Is leasing bad?
Not always. Leasing can fit people who value newer cars and predictable terms, but the total cost needs context.
Why include resale value?
Buying creates an asset that may be sold or kept after the comparison period.
Does this include taxes?
No. Add taxes and fees separately when comparing real offers.
Related guide: How much car can you afford?.