Lease vs buy

Same car, same years. What each path costs, and what you own at the end of it.

Lease vs Buy Comparison

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Vehicle price Years you will keep it

Buy: down payment Buy: APR (%) Buy: term (months) Resale value after your years (% of price)

Lease: monthly payment Lease: due at signing Lease: term (months) Lease: disposition fee per lease

Cheaper over your years

…

Buy: net cost (payments + down, minus resale)

Lease: net cost (back-to-back leases)

Difference

Equity you hold at the end (buy)

Leasing assumes you re-lease the same payment when each term ends. Insurance, maintenance, and mileage penalties are excluded; they usually favor buying once the loan is paid off.