Car Loan vs. Lease Calculator
Buy it or lease it? See the real total cost
Enter your loan details (vehicle price, down payment, APR, term, expected resale value) alongside your lease details (monthly payment, term, due-at-signing) and see a full amortization-accurate cost comparison over the same time horizon. The loan side correctly accounts for equity built through resale value minus any remaining balance, while the lease side reflects that you own nothing at the end — giving you a clear dollar-for-dollar verdict.
- →Uses the standard loan amortization formula to compute your real monthly payment and interest
- →Compares loan and lease over the same time horizon so the numbers are genuinely apples-to-apples
- →Accounts for ending equity on the loan side (resale value minus any remaining balance)
- →Clear side-by-side breakdown plus a verdict banner showing which option wins and by how much
- →Watermarked by Cikal Studio Labs · Works on any device, no install required
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