Car Lease vs. Buy Decision Engine

A premium, high-precision mathematical framework comparing the true Total Cost of Ownership (TCO), Opportunity Cost, and Net Asset Value.

Vehicle & Common parameters

MSRP ($)

Negotiated Price ($) 6.7% off MSRP

Sales Tax Rate (%)

Opportunity Cost Rate (%)

Financing (Buy) Plan

Down Payment ($)

Loan Term (Months) 36 Months 48 Months 60 Months 72 Months 84 Months

Loan APR (%)

Estimated Resale Value ($) 48.9% residual

Lease Agreement

Due at Signing ($)

Lease Term (Months) 24 Months 36 Months 39 Months 48 Months

Money Factor (MF) 6.0% APR equiv.

Residual Value (%) $27,000 value

Qualitative variables & market notes

Local Financial TCO Model

Monthly Financing Payment Buy

$754 /mo

Total Loan Payments: $45,240 Est. Resale at End: $22,000

Monthly Lease Obligation Lease

$612 /mo

Total Contract: $22,032 Disposal/End Cost: $0

Financial Winner: Buying (Financing)

Over 36 months, Financing yields an estimated net saving of $2,450 compared to leasing when opportunity cost is accounted for.

Cost & Asset Vectors Over Time

Finance Lease

Month 0

End of Term

Max Outflow

TCO Evaluation Engineered Locally

Local Advisory Engine (Instant Responses)

Ask follow-up questions to query specific micro-parameters of your deal (e.g., "how does high inflation affect this?", "what if I put less down?", "tell me about mileage caps").