VEHICLE / SAME-PERIOD COMPARISON

Lease vs Buy Calculator

Compare buying and leasing over one horizon, including purchase fees, loan payoff still due, expected resale value, upfront lease cost, and end fees.

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Conversion input

Known value

Filter by unit name, symbol, or code. Your current selections remain available.

Calculation currencyAll money fields and results use this currency label. Changing it does not apply an exchange rate or alter the entered amounts.

Buy scenario

Vehicle purchase priceComparable purchase price before the separately entered purchase fees.INRBuy down paymentCash paid toward the purchase price at the start.INRPurchase taxes and feesRegistration, purchase tax, documentation, or other upfront buying costs not already in price.INRLoan annual rateReducing-balance annual rate for the amount financed.%Loan termFull repayment term of the purchase loan.yearsExpected resale valueCautious amount the bought vehicle could sell for at the comparison date.INR

Shared period

Comparison periodUse the same period for both buying and leasing.years

Lease scenario

Lease amount due upfrontDown payment, acquisition, and other lease costs paid at the start.INRMonthly lease paymentRegular lease payment for every month in the comparison period.INRExpected lease-end costsDisposition, excess mileage, wear, or other lease-end amounts you expect.INR

Preparing the calculator...

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Calculation path

Buying cost includes cash paid, instalments made, the loan payoff still due, and subtracts expected resale value. Leasing cost adds upfront, monthly, and end amounts over the same period.

Calculation path

Buy cost = down payment + purchase fees + loan payments made + remaining payoff - resale value. Lease cost = upfront payment + all lease payments + end fees.

What you provide

Comparable purchase and lease offers
Loan rate, term, and down payment
One comparison horizon, cautious resale value, and realistic lease-end costs

What you receive

Lower-cost option for entered cash flows
Net buy and lease cost side by side
Loan payment and remaining payoff at the comparison date

Use boundary

Choose the maximum decimal places shown. This does not increase source accuracy.

This is not complete unless you separately compare maintenance, insurance, tax, mileage limits, wear standards, included services, opportunity cost, and how long you actually keep vehicles.

Lease vs Buy Calculator

Calculation path

What you provide

What you receive

Choose the maximum decimal places shown. This does not increase source accuracy.

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