Lease vs. Cash Calculator

Compare purchase cash less resale value with lease payments less the investment value of keeping the purchase cash. The separate opportunity-cost figure is informational.

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Cash Purchase

$
$
%
Purchase Cost$35,000
Opportunity Cost$7,350
Net Cost$17,000

Lease

$
$
36 months
Total Lease Cost$16,900
Investment Gain$5,998
Net Cost$10,902

Best Option

Lease$6,098
How it works›

Model and assumptions. Compares the entered ownership or lease cash flows over the same use period, including modeled residual value and end costs. A lease payment combines depreciation and a financing charge. Mileage charges, resale value and unentered fees can change the outcome.CFPB: leasing versus buying