Lease or buy the car.

The full cost of both routes over your ownership window — including the resale value that decides it.
SAVES IN YOUR BROWSER · NOTHING LEAVES THIS DEVICE
1The car
The negotiated price, not the sticker.
Used to work out the lease residual — leases are priced off list.
The decisive number: leasing looks good short, buying wins long.
Applied to the purchase and to lease payments.
2If you buy it
Cash upfront.
The annual rate on the car loan.
In months.
Value at the end of your window. This single number usually decides the answer.
3If you lease it
Paid again every time you start a new lease.
We convert this to the money factor internally — no jargon needed.
In months. Shorter leases mean more of them.
What the car is worth at handback, as a percent of list. Higher means cheaper payments.
Advanced —
Fees and running costs. Sensible defaults are set. Open ▾
One-off registration and paperwork.
Charged each time you sign a lease.
Charged each time you hand a car back.
Owned cars often carry lighter cover as they age.
Leases usually require fully comprehensive cover.
Rises as the car ages and the warranty ends.
Usually covered while under warranty.
Same for both routes — included so totals are realistic.
BUYING NET LEASING BREAK-EVEN RESALE
It all hangs on resaleNAVY = BUYING · DASHED = LEASING
Where every euro goes
WHAT THIS MEANS
✓ SAVED TO YOUR PLAN