Path & PennyBack to my plan

Your next car.Lease or buy?

Sample offers
A yellow clay car on a winding road
USD

$35,000 purchase vs. a 36-month lease.

Sample offers
Total cost / 36 months

Buying looks cheaper.

$54 to $4,054less over 36 months

With these offers and resale assumptions. Not guaranteed.
$160/mo

less each month with leasing

Including running costs. While both payments run.
Buy the carLower totalLease it
Each month$1,165$1,005
Cash upfront$5,000$2,500
Total costAfter 36 months$36,026 to $40,026Total cost after resale$40,080After return
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Solid: buyDashed: lease
$46,939$23,470$0
SigningMonth 36

Cash paid, before resale and remaining loan debt.

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Model

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Sources & limits

Car names: EPA and NHTSA. Prices: US dealer listings via Vehicles.dev. Up to 100 recently observed listings, mixed trims and mileage. Known accidents, branded titles and listings not observed within 30 days are excluded. Missing history is not a clean-history guarantee.

This is a sample of asking prices, not a quote or full-market valuation. Taxes, fees, future resale and lease offers are not supplied by the API. Only car details and the selected state are sent, never your budget.

Already buying? See the impact on my plan
WORKED EXAMPLE · MODEL REVIEW SEPTEMBER 14, 2026

Lease vs. buy: compare the total, not just the payment.

The sample compares a $35,000 purchase at 6% APR with a $450 monthly lease over 36 months. Buying requires $5,000 upfront; leasing $2,500. The lower monthly payment is not automatically the lower total cost.

Illustrative USD inputs, not an offer or a forecast. The example uses the same calculation code as the tool above.

What is included in total car cost?

Buying includes cash paid, remaining loan and resale value. Leasing includes signing costs, payments, running costs and known return charges, less the refunded deposit.

How much should I trust the answer?

Use actual offers where possible and change uncertain inputs. Resale is a range, not a promise. This compares the first lease term only. The assumptions panel explains exclusions.

Can I keep the result without signing up?

Yes. Save one snapshot on your device, compare it with an edited result, or download a one-page PDF. Email sharing opens your own mail app. No bank login needed.

Data sources and model limits · Request a decision walkthrough