← Honed Money

Auto decision tool

Lease or buy?

Compare the cash you would pay for a lease with the full cost of financing a purchase. Same upfront amount, side by side.

Enter your numbers

Use the advertised lease payment and the loan rate you expect to qualify for.

$
$
Monthly advertised payment
mo.
$
Applied to both choices for an even comparison
%
mo.
Your comparison will appear here Add all six numbers, then compare the two paths without the sales-pitch math.

For informational and educational purposes only. Estimates may differ from dealer or lender figures and are not financial advice.

Last reviewed: October 2026.