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Decision Tool

Lease vs Buy Calculator

Should you lease or buy your next luxury car? Compare total costs, monthly payments, and long-term value for exotic and luxury vehicles.

Vehicle Details

Quick Presets

Buy Monthly
$3,857
60-month loan at 5.9% APR
Lease Monthly
$3,822
36-month lease at 5.5% APR

Detailed Comparison

Upfront Cost
$50,000
Down payment
$37,500
Due at signing
Monthly Payment
$3,857
60 months
$3,822
36 months
Total 3-Year Cost
$138,862
Payments only
$175,088
All-in
Remaining Value (Equity)
$112,500
You own the car
$0
Return the car

Recommendation

Buying is more cost-effective long-term. After 5 years, you'll own a $112,500 asset. Best if you plan to keep the car 5+ years or drive over 10,000 miles/year.

Buying Pros

  • You own the asset and build equity
  • No mileage restrictions
  • Customize and modify freely
  • No end-of-lease fees or inspections

Leasing Pros

  • Lower monthly payments
  • Drive a new car every 2-3 years
  • Warranty covers repairs
  • Tax advantages for business use
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