Same car, same period
Lease or finance this particular offer?
A lease usually ends without an owned car; finance ends with an asset and often a final payment. They become comparable only with the same term, additional costs and a clear residual-value assumption.
Upload the lease or finance offer
Carculated imports the contract figures, then opens the comparison with the same vehicle, term and cost basis for both options.
- Contract payments
- Final payment & residual value
- Like-for-like comparison
The original is deleted after analysis. Only redacted offer facts and evidence snippets are retained, never a document copy. How we process your document.
The example only shows the method. Your result uses the documented figures from your offer.
What actually changes the comparison
A blanket answer would be misleading. The result instead exposes the assumptions and the threshold where the modelled order changes.
- 01Calculate lease paymentsPayments and upfront costs form the contractual cash outflow over the selected period.
- 02View finance net of valueThe assumed vehicle value at the end is considered separately from finance payments.
- 03Expose the thresholdYou see which residual value or cost assumption changes the order in the modelled result.
Original deleted after analysis
We use your PDF or images only to extract the offer details, then delete the file. A private version history is saved only when you actively create a negotiation case; statistics facts require a separate opt-in.
Assessment before partner offers
We calculate the costs and review the contract before any partner offers appear. Commission changes neither your result nor its assessment. If no genuinely comparable offer is available, we show none.
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