Car Loan vs Lease
Compare total cash outflow and end net for buying with a loan versus leasing, over the years you plan to keep the car.
Buy with loan or lease?
Stack EMI, resale, and lease payments side by side for the same period.
In plain words
Buying locks cash in a depreciating asset but can leave you equity at the end. Leasing keeps monthly spend predictable and frees the down payment to stay invested. This tool scores both on total outflow, then shows net position after resale or invested savings.
1. The car and horizon
Price, down payment, years
Assumed invested if you lease instead.
Years to compare
Used for down payment and EMI savings on lease.
Resale estimate for the loan path only.
2. Loan path
Rate, tenure, running costs
Loan interest % p.a.
Loan term
3. Lease path
Monthly payment and fees
Often included in the lease. Use 0 if so.
FAQ
Planning estimate only. Residual values, lease fees, and insurance quotes vary by dealer and city. Confirm numbers before you sign.