Car Mietvertrags vs Buy Rechner
Compare the total cost of leasing vs buying a car. Factor in monthly payments, depreciation, and equity.
Total Lease Cost
$12,600
Total Lease Cost vs Monthly Lease Payment
Formel
Leasing vs Buying a Car
Leasing has lower monthly payments but builds no equity. Buying costs more monthly but you own an asset at the end.
Comparison
Total Lease Cost = Monthly Payment x Term Months (you own nothing at the end)
Net Buy Cost = Total Payments - Residual Value (you keep the car)
The true comparison is total lease outflow vs (total loan payments minus the car's remaining value). If the car retains value well, buying usually wins long-term.
Lösungsbeispiel
$35,000 car, $350/mo lease vs $600/mo loan, 36-month term, 55% residual.
- 01Total lease = $350 x 36 = $12,600 (nothing to show for it)
- 02Total loan payments = $600 x 36 = $21,600
- 03Car value at end = $35,000 x 55% = $19,250
- 04Net buy cost = $21,600 - $19,250 = $2,350
- 05Buying costs $10,250 less when accounting for equity
Häufig Gestellte Fragen
When does leasing make sense?
Leasing works if you want a new car every 2-3 years, drive under 12,000 miles/year, need a low monthly payment, or use the car primarily for business (tax deductions).
What hidden costs does leasing have?
Excess mileage fees ($0.15-0.30/mile), wear-and-tear charges, early termination penalties, and acquisition/disposition fees that can add $1,000-$3,000.
How long should I keep a purchased car to maximize value?
Keeping a car 7-10 years and paying off the loan in 4-5 years gives you 3-5 years of payment-free ownership, which is where buying really wins over leasing.
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