Lease vs. Buy: Which is Better?
Our free car lease calculator compares the total cost of leasing vs. buying — including down payments, monthly rates, and the residual used car value over time.
Buying is Better
Over 36 months, buying and selling later is €0 cheaper than leasing.
* Buying net cost assumes you sell the car at the end of the term for its predicted market value.
Understanding the True Cost Difference
When choosing between leasing and buying, many only focus on the monthly payment. However, the biggest difference occurs at the end of the term: with buying, you own a valuable asset; with leasing, you simply return the car. Our calculator shows the 'Net Effect'.
Lease Advantage: Flexibility
Leasing is ideal if you want to drive a new car with the latest technology every 2-3 years without worrying about resale value or long-term maintenance.
Buy Advantage: Equity
Buying is almost always cheaper in the long run because once the loan is paid off, you have no monthly burden and you retain the car's residual value.