Your car decision
What costs you less: leasing, finance or paying cash?
If you have the purchase price available, what that money could earn if invested also matters. If buying requires a loan, its interest, fees and final payment matter.
Not your figures yet
The monthly payment alone does not show which option costs less.
Enter the purchase price, lease payment and term. Add borrowing costs or potential investment returns to match your situation.
What can change your decision
All guides →Frequently asked questions
Is leasing or buying worth it?
That depends on the offer, term, depreciation, running costs and how you would finance the car. If you can pay cash, what that tied-up money could otherwise earn matters too.
What is the leasing factor?
The leasing factor divides the monthly payment by the gross list price. The total-cost factor also includes upfront and transfer costs.
How are opportunity costs calculated?
The model applies your selected return to capital that is not tied up in the car. You can change this assumption at any time.
Is the calculator really free?
Yes. The calculators are free to use. Partner links are labelled and do not affect the calculation.