Car Loan Calculator
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Estimate monthly auto loan payments from price, down payment, rate, and term.
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Car Lease vs Buy Calculator
AdvancedCompare total cost of leasing versus buying a vehicle.
- 100% Free
- No signup
- Private & secure
- Instant results
- On your device
Private on your device
Your information stays on your device and is not uploaded.
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Estimate buy cost including loan payments and equity over the lease term versus lease payments and due-at-signing costs.
How to use this tool
Enter purchase price, loan terms (down payment as $ or %), lease payment/term/due at signing ($ or %), and expected vehicle value at lease end. Optionally add residual as $ or % of price, sales tax %, monthly insurance differential (buy vs lease), opportunity-cost return on the buy down payment, and mileage allowance vs expected miles with overage ¢/mile.
Worked example
A $35,000 car financed at 6% with 8% sales tax versus a $399/month 36-month lease — adding opportunity cost and mileage overage often shifts the break-even when you drive more than the lease allowance.
How it works
Compares net cost of buying versus leasing over the lease term. Buy side includes loan payments (with optional sales tax rolled into the financed amount), insurance differential, and opportunity cost of the down payment invested at your expected return, minus equity at the end. Lease side includes payments, drive-off, and estimated mileage overage above the allowance.
Limitations
Estimates only for educational purposes. Not financial, tax, or legal advice. Verify figures with your lender, advisor, or official IRS/SSA sources before making decisions.
Privacy and file handling
Your data stays on your device and is not uploaded.
FAQ
Frequently asked questions
What horizon is used?
Costs are compared over the lease term you enter.
Are insurance and maintenance included?
No. Add those separately if they differ meaningfully between options.
Is Car Lease vs Buy Calculator free to use?
Yes. Utilnivo tools are free to use and do not require an account.
Related pages
- Browse all free online tools on Utilnivo
- Explore more finance tools on Utilnivo
- Car Loan Calculator — Estimate monthly auto loan payments from price, down payment, rate, and term.
- Auto Lease Calculator — Estimate monthly car lease payments from cap cost, residual, and money factor.
- Car Affordability Calculator — Find how much car you can afford from income, debt, and payment ratios.
- Loan Calculator — Estimate monthly loan payments, total interest, and a basic amortization summary.
- Fuel Cost Calculator — Estimate trip fuel costs from distance and price.
- EMI Calculator — Estimate monthly EMI, total interest, and amount payable for a loan.
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