Does this include resale value?

No. Treat the buy total as cash outlay before resale. Subtract expected resale value manually if comparing life-of-vehicle costs.

Sure—add taxes to the price or include them in down/fee inputs depending on how your dealer charges them.

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Lease vs Buy Car Calculator

Compare total costs and monthly payments between leasing and financing a vehicle.

Enter the vehicle price plus the down payment, APR, and term for a purchase.
Enter the lease payment, term, upfront due amounts, and any acquisition/disposition fees.
Compare monthly payments and total out-of-pocket cost to see which path fits better.

Vehicle price: Sticker price (or negotiated price) for the car.
Loan down payment / APR / term: Details of the financing option if you buy.
Lease payment / term: Monthly lease payment and lease length.
Lease due at signing & fees: Upfront cash and common fees like acquisition or disposition.

Loan payments use the standard amortization formula on (vehicle price − down payment).

Total buy cost = down payment + monthly payment × loan term.

Total lease cost = due at signing + fees + monthly lease × lease term.

Buy payment = (P × r × (1+r)^n) / [(1+r)^n − 1]
Buy total = down + payment × n
Lease total = signing + fees + lease × lease term

Comparing a dealer lease special against standard financing offers.
Estimating cash needs upfront versus over time for different deals.
Running scenarios with higher/lower down payments to see when buying wins over leasing.

Include taxes where they apply—some regions tax monthly payments, others tax the price or upfront fees.
If you plan to keep the car long-term, consider estimating resale value and subtracting it from the buy total.
Mind mileage limits and wear fees on leases; heavy drivers may prefer buying.
Does not include insurance differences, maintenance costs, or potential EV incentives.
Assumes a fixed APR and lease payment for the full term.
Resale value is not factored; add it manually if you want lifetime ownership costs.

Compare leasing versus buying a car by entering payments, terms, and upfront costs to see which is cheaper.

Great for shoppers weighing dealer lease promos against finance offers without building a spreadsheet.

Does this include resale value?: No. Treat the buy total as cash outlay before resale. Subtract expected resale value manually if comparing life-of-vehicle costs.
Can I include taxes?: Sure—add taxes to the price or include them in down/fee inputs depending on how your dealer charges them.

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Mortgage Payment Calculator

Estimate your monthly mortgage payment, total interest, and payoff schedule with one input-driven tool.

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Mortgage Payoff Calculator

Estimate how many months it will take to pay off your mortgage when you make a fixed monthly payment.

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Loan Payment Calculator

Calculate the monthly payment for any personal, auto, or student loan using the principal, APR, and term.

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Compound Interest Calculator

See how fast your savings grow when interest compounds daily, monthly, quarterly, or annually.

Dealer incentives and taxes vary widely. Always confirm official quotes before committing.