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Car Lease vs. Buy

Leasing rents the car's best years; buying pays full price but keeps the machine. The honest comparison needs a time horizon.

Leasing

When a lease ends, you sign another: the down payment repeats each cycle, with payments rising a bit on each new car.

Buying

Cars lose ~15–20% in year one, then ~10–15%/yr. The car's value at your horizon comes back to you when you sell.

Leased cars stay under warranty; owned cars get older. Applied after year 4.

Horizon

Leasing total cost
Buying net cost
Difference
Average monthly
lease vs buy over the horizon

Cumulative net cost by year

Lease (and re-lease) Buy (cost minus resale value)