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Leasing feels cheaper because the payment hides the depreciation you never own; buying feels dearer because you pay the full price but keep the asset. For high-mileage drivers and long owners, buying almost always wins; for low-mileage drivers who want a new car every three years, a lease can genuinely make sense. This calculator lines up both paths with your real numbers — including the end-of-term choices that catch leasees off guard.
financial verdict report
Yes — if you drive low miles, want a new car every 2-3 years, and treat car payments as a permanent utility bill rather than an investment.
You return it (paying for excess wear and miles), buy it at the residual value, or trade into another lease — know the residual before you sign.
Mileage penalties, wear-and-tear charges and disposition fees are the classics — read them before signing, not at return time.
Every tool answers instantly from our own knowledge and calculators. Want the deeper, personalised version? Each has a $2.95 full report.