Car Lease vs Buy Financial Comparison Calculator (3-Year Net Cost)
Compare the true net financial cost of leasing a vehicle vs purchasing it with an auto loan over a 3-year timeline, factoring in down payments, monthly cash flows, and built-in vehicle resale equity.
Total 3-Year Cost to Lease
Calculator Inputs
Total 3-Year Cost to Lease
Net 3-Year Cost to Buy (After Resale Equity)
Estimated Car Equity Retained at 3 Years
Financial Cost Difference Between Options
3-Year Financial Comparison: Total Lease Outlay vs Net Ownership Cost
Standard automotive financial modeling comparison. Local sales tax rules on lease payments vary by state and jurisdiction.
This calculator is designed for educational and informational purposes based on publicly declared statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimates. Always verify with the relevant official authorities or a certified professional advisor.
Calculation Methodology
Total Lease Cost = Down Payment & Due at Signing + (Monthly Lease Payment * 36). Total Buy Payments = Loan Down Payment + (Monthly Loan Payment * 36). Resale Equity = Resale Market Value - Remaining Loan Balance. Net Cost to Buy = Total Buy Payments - Resale Equity.
Frequently Asked Questions
Related Calculators
Recommended tools and calculators tailored to your current calculation