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Rent vs. Buy
High-fidelity wealth comparison over 30 years.
Open Calculator arrow_forward View Guide arrow_right_altCar Lease vs. Buy Calculator
Enter your vehicle purchase and lease assumptions to see the true 5-year wealth impact of financing versus leasing, and compare lease versus buy costs head-to-head in a direct cost comparison.
Optimization Success
Finance Verdict: Ownership Wins
By choosing to finance this vehicle over a lease, you project a $0 net wealth advantage over a 5-year horizon.
OWNERSHIP NET COST
$0
+$0 Equity
LEASE NET COST
$0
$0 Equity
Equity vs. Cumulative Expense
5-Year Projected Horizon
OWNERSHIP
LEASE
Month 0
Month 60
Hidden Cost Analysis
Ownership (5yr)
Lease (5yr)
Depreciation
-$0
Residual Risk
$0 (None)
Interest Paid
$0
Finance Fee
Hidden in Pay
Opportunity Cost
-$0
Opportunity Cost
-$0
Total Sunk Cost
$0
Total Sunk Cost
$0
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RealityMath Transparency Note
Our Depreciation Engine assumes a 20% drop in value the moment you drive off the lot, followed by a 15% annual decay. This represents the "hidden drain" that most financing calculators ignore. For the lease, we assume you walk away at the end of the term with zero equity but also zero resale risk.
The Market Opportunity Cost is calculated based on a 7% annual return on your down payment and monthly cash flow differences. If the lease is cheaper monthly, we assume that surplus is invested. This provides a holistic "Net Wealth" view rather than just cash-out-the-door.
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