VEHICLE COST AND TRIP SCENARIOS
Lease vs. Buy Calculator
Compare simplified purchase-loan cash outlay with lease payments over the same period.
Review your result
Your result
Ready when you are.
Enter your values and select Calculate. Your result stays on this device.
How it works
Compares modeled loan cash outlay and lease payments over the period you enter.
Assumptions
Does not model residual value, mileage charges, maintenance, insurance, trade-in value, taxes, fees, or ownership equity.
Use case
lease vs buy calculator: a clear planning check
Compare simplified purchase-loan cash outlay with lease payments over the same period. The stated formula, assumptions, and result limits remain visible so the calculation can be checked in context.
Use a clear lease vs buy calculator scenario with values you can verify before relying on the result.
Source and update
Last reviewed: 2026-08-10
Consumer Financial Protection Bureau — borrowing and mortgage guidanceKeep exploring