Calculateur Location vs Achat Auto
Comparez les coûts entre la location et l'achat d'un véhicule.
Total Lease Cost
$12,600
Total Lease Cost vs Monthly Lease Payment
Formule
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.
Exemple Résolu
$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
Questions Fréquentes
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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