Dealership Math Engine
Lease vs. Buy Calculator
Compare the true cost of leasing vs financing a vehicle in 2026 to see which builds more wealth.
Vehicle Details
$
$
$
%
Lease Specifics
%
%
Loan term will match the selected lease term for direct comparison.
Lease Payment
$0
/ month (with tax)
Buy Payment
$0
/ month (with tax)
Future Vehicle Value At end of term
$0
Total Out of Pocket Down Payment + All Monthly Payments
Lease: $0
Buy: $0
Net Cost After Equity (Total Paid) - (Equity Owned)
Lease: $0
Buy: $0
True APR of your Money Factor:
0.0% APR
Disclaimer: This tool utilizes standard US dealership leasing formulas. "Net Cost After Equity" is the true financial indicator: for a lease, it equals the total out-of-pocket because you own 0 equity at the end. For buying, it subtracts the vehicle's future value (equity you own) from your total payments. Sales tax on leases is calculated monthly on the payment, while sales tax on buying is usually calculated upfront on the purchase price.