Compare car costs transparently
Carculated compares leasing, finance and cash purchase with visible assumptions for costs, tax and depreciation.
One basis for every option
Carculated combines purchase price, payments, running costs, depreciation, tied-up capital and regional tax assumptions in one modelled comparison.
Assumptions stay visible
You can review and edit every important assumption. The result shows the lowest-cost option and the uncertainty that could change that assessment.
Why Carculated exists
The idea began with my own question: lease, finance or pay cash? Existing calculators did not show tied-up capital and running costs together.
I first built my own model in Excel. That became Carculated, with regional tax assumptions and parameters you can edit.
Carculated now helps you check offers with a transparent modelled estimate without prescribing a particular outcome.
Compare your options
Compare leasing, finance and cash purchase using the same assumptions.
Understand the figures
Learn how leasing factors, depreciation and finance costs work.
About me
Michael Tannenbaum
Founder & Developer
Hi, I'm Michael. I build software and wanted to model my own car decision transparently. I created Carculated so you can check offers using your own assumptions.
Our methodology
We use a dynamic wealth comparison to make leasing and buying comparable. Visible opportunity costs and tax assumptions feed into the calculation. Results remain model estimates and are reviewed with explicit versions.
Editorial standards
Partner compensation does not influence calculations or assessments. We separate model assumptions, market data and partner offers, and label external links.