Method
How to calculate lease cost minus buy cost
The purchase path subtracts entered resale value from cash outflows. The model does not infer taxes, opportunity cost or mileage penalties.
FORMULALease net cost − buy net cost over the same period
Worked example
Lease vs buy car comparison calculator example
Both paths are measured across 36 months so duration does not distort the comparison.
Change one assumption at a time to see what drives the result. The output is an estimate, not a quote, forecast or recommendation.
FAQ
Lease vs buy car comparison calculator FAQ
What does a positive result mean?
Positive means the entered lease path costs more than the buy path over the selected period.
Should a remaining loan balance be included?
Yes. Subtract any remaining balance from resale proceeds or add it to buy cost.
Does this recommend leasing or buying?
No. It compares entered cash costs; flexibility, risk and personal preferences remain outside the arithmetic.