The Transparent Leasing Comparison.
Carculated analyzes the costs of leasing and buying – including compound interest, taxes, and depreciation.
Comprehensive Data
Unlike simple calculators, Carculated accounts for complex factors such as opportunity costs in the capital market, company-specific tax rules, and realistic residual value forecasts.
Independent Analysis
Carculated provides you with a neutral, mathematically sound analysis. No sugar-coating, no hidden assumptions. You see directly how your net worth could develop in both scenarios.
Background & Functionality
The idea was born out of my own frustration: I was facing the decision "Leasing or Buying?" myself and couldn't find a calculator that properly considered opportunity costs on the capital market. I had to painstakingly build everything myself in Excel.
This turned into Carculated: It considers tax laws from various countries (DACH, UK, FR, US) and allows detailed customization of all parameters, from inflation rates to capital market returns.
The result is not just a recommendation, but a detailed net worth forecast for your personal situation.
The Calculator
Compares leasing and buying incl. net worth projection.
The Guide
Explains the background and pitfalls of financing.
About me
Michael Tannenbaum
Founder & Developer
Hi, I'm Michael. I develop software for a living and optimize finances for fun. I don't like sales pitches at the dealership; I prefer relying on numbers. That's why this tool exists: So you can do the math yourself.
Our Methodology
We use recognized financial mathematical models (Dynamic Net Worth Analysis & Opportunity Costs) to make leasing and buying comparable. Opportunity costs, inflation, and tax aspects are included in the calculation. All formulas are regularly reviewed.
Editorial Standards
Independence is our highest asset. We receive no commissions from manufacturers for recommending specific models. Our calculators and articles are based on objective data and mathematical facts.