Car Leasing vs. Buying: Independent Calculator
Leasing or Buying? Let the facts decide.
Vehicle Data
Option: Buy
Option: Lease
Capital Market (Opportunity Costs)
Go for Lease.
Your projected net worth advantage is 69 €.
Please note: This calculator does not replace professional tax or financial advice. Actual conditions may vary depending on the provider and market situation.
All calculations are non-binding estimates. We assume no liability for the accuracy, completeness, or currency of the results, or for any financial losses resulting from the use of this site. The content does not constitute investment advice or financial services. Use at your own risk.
Leasing or Buying? Let the facts decide.
The question "Leasing vs. Buying" depends on many factors. Often, depreciation is underestimated when buying a car, while missing ownership rights bothers people when leasing. Carculated objectively compares the total costs of both options over the full term – including factors like opportunity costs and inflation.
Why opportunity costs matter
If you pay €50,000 cash for a car, you can no longer invest that money. At a 5% return, this tied-up capital "costs" you almost €11,000 in lost profit over 4 years. Carculated calculates exactly this disadvantage against the leasing rate.
Leasing Factor as a Compass
A good leasing factor (below 0.7) can often make leasing cheaper than buying, even if you wanted to keep the car at the end. Our tool shows you immediately whether your offer is a bargain or a "rip-off".