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LoanVsFD.com
Car Lease vs. Buy Calculator
Common Details
Car’s Current Price (On-road) (P) [Rs]:
Analysis Period (n) [Years]:
Expected Rate of Return (Opportunity Cost) (r_inv) [%]:
Leasing Option
Lease Deposit (Dₗₑₐₛₑ) [Rs]:
Monthly Lease Payment (Lₘₒₙₜₕₗy) [Rs]:
Lease Term (tₗₑₐₛₑ) [Months]:
Annual Maintenance Cost (Mₗₑₐₛₑ) [Rs]:
Buying Option
Down Payment (D_bᵤy) [Rs]:
Annual Loan Interest Rate (r_loan) [%]:
Loan Tenure (t_loan) [Months]:
Annual Maintenance Cost (M_bᵤy) [Rs]:
Expected Annual Depreciation Rate (d) [%]:
Calculate
Summary Comparison
Option
Total Cost (Rs)
Leasing (Net Cost)
Buying (Net Cost)
Final Decision
Detailed Calculation Breakdown
Description
Value
Total Lease Payments
Maintenance Cost (Leasing)
Opportunity Cost Benefit
(Invested Difference: D_bᵤy - Dₗₑₐₛₑ)
Net Leasing Cost
Down Payment
Total Loan Repayment
Maintenance Cost (Buying)
Estimated Resale Value
Net Buying Cost
Final Explanation
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