Configure Inputs

₹35,000
₹
₹15,000₹1.00 Lakh
₹3,000
₹
₹0₹20,000

Lease Parameters

36
2448
50%
%
3070
0.001
0.00010.005

Finance Parameters

6.5%
%
115
5
310

Lease Option

₹464.65/mo

Total: ₹19,728

36 months • No equity

Buy ÷ Finance Option

₹626.12/mo

Total: ₹40,567

60 months • You own it

5-Year Total Cost Comparison

Buying is more cost-effective over 5 years

Lease Total

₹39,455

2 lease cycles

Buy Net Cost

₹25,517

After resale value

Vehicle Value at 5 Years

₹15,050

Your equity if bought

Savings with Buying

₹13,938

Consider Leasing If:

  • You want latest features every few years
  • You drive under 12,000 miles per year
  • You prefer lower monthly payments

Consider Buying If:

  • You plan to keep vehicle 5+ years
  • You drive high mileage
  • You want to build equity

Deep Dive & FAQ

Choosing Your Next Vehicle Path

Should you lease or buy your next car? Leasing offers lower monthly payments, but buying builds equity. Our calculator compares the total cost of ownership over the long term.