Financial comparison tool

Buy or Lease?
Do the numbers.

Shared inputs

Time period

years

Annual mileage

miles / yr

Buy

Cash Purchase

Purchase

Purchase price

Residual Value

Car make

Age of car when buying (0 = brand new)

years old

Fill in make, age and time period to see estimated value

Estimated from UK market depreciation curves (Carmoola/Brego, AutoExpress 2026). Assumes average mileage and condition.

Fuel

Petrol price

£/litre

Efficiency

MPG

Running Costs

Annual maintenance

£ / yr

Annual road tax

£ / yr

Lease

Monthly Payments

Payments

Initial deposit

Monthly lease payment

£ / mo

Mileage Terms

Included annual mileage

miles / yr

Excess mileage charge

£ / mile

Fuel

Electricity price

£/kWh

Efficiency

mi/kWh

Running Costs

Road tax included in lease?

ISA Investment

Amount invested (auto)£—

Purchase price minus lease deposit, invested in an ISA

Annual return rate

% / yr

Fill in all fields above to see your results

Buy or Lease?Do the numbers.

Buy or Lease?
Do the numbers.