Enter the lease terms, the buy terms, and the driving pattern you actually expect.
Lower-cost strategy
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Enter the lease and buy assumptions to see which path costs less over your chosen time window.
Tap an example to prefill the calculator with sample values.
Three-year lease, six-year compare
Two lease cycles versus buying and reselling at year six
A common real-world comparison where you want to see the total cash burn, not just the monthly payment.
Result: A multi-cycle comparison is more realistic than stopping the analysis at the first lease term.
Low-mileage lease fit
Mileage stays under the lease allowance
When your annual driving is modest, the overage penalty disappears and the lease case looks cleaner.
Result: Leasing usually looks best when the mileage cap actually matches how you drive.
High-mileage ownership case
Mileage penalties push the lease side up fast
Drivers who regularly exceed the lease allowance often discover that the monthly payment hid the real total cost.
Result: Mileage mismatch is one of the fastest ways for a lease to look cheap monthly but expensive overall.