RATIOXA CARS · Decision tool
Lease or buy?
Compare leasing, depreciation, finance, resale value and typical contract costs over the same period.
14 inputsDetailed comparisonSaved locally on this device.
DECISION PACK
Lease or buy?
Created: 18/08/2026 · lease-or-buy@5.0
Important: Scenario calculation based on your assumptions; not purchase or financing advice.
Result · Why?
Lease leads by €168
Payments alone are not comparable: principal builds ownership, while all lease contract payments remain cost.
Difference€168
Lease
Buy
Break-even
Resale-value crossover
At this resale value lease and purchase have equal economic cost.
Result robustness
Sensitive result
A realistic change to one important assumption may reverse or materially narrow this result.
- Purchase priceApprox. change in result: €4,711
- Expected resale valueApprox. change in result: €2,700
- Monthly lease paymentApprox. change in result: €1,436
Development
Lease / Buy
Text summary of the chart
| Development | Lease | Buy |
|---|---|---|
| 0 | €4,690 | €400 |
| 3 | €5,887 | €2,111 |
| 6 | €7,084 | €3,804 |
| 9 | €8,281 | €5,480 |
| 12 | €9,478 | €7,137 |
| 15 | €10,675 | €8,776 |
| 18 | €11,872 | €10,397 |
| 21 | €13,069 | €11,999 |
| 24 | €14,266 | €13,582 |
| 27 | €15,463 | €15,146 |
| 30 | €16,660 | €16,691 |
| 33 | €17,857 | €18,216 |
| 36 | €19,554 | €19,722 |
RATIOXA STORY
Your Decision Story
- 1
Lease: €19,554
- 2
Buy: €19,722
- 3
Lease leads in the base case.
Calculation Health
Quick estimate
Add more of your own values to strengthen the scenario.
- + Purchase price
- + Monthly lease payment
- + Lease upfront payment
RATIOXA IMPACT MAP
What matters most?
Purchase price€4,711
Expected resale value€2,700
Monthly lease payment€1,436
Comparison period€1,276
Extra monthly purchase running cost€360
Loan APR€352
Higher impact →Key insight
Your decision is most vulnerable to changes in Purchase price.
Payments alone are not comparable: principal builds ownership, while all lease contract payments remain cost.
SCENARIO RANGE · DETERMINISTIC
Stress-test this decision
TIME HORIZON
How the decision changes over time
Period 0Buy€4,290
Buy is stronger at period 0.
RATIOXA ×
Resale-value crossover
At this resale value lease and purchase have equal economic cost.
Crossover€27,168
Compare everything
LeaseBuy
Result value€19,554€19,722
Difference€168—
Lease payments€14,364€15,900
Upfront payment€3,500€3,422
Delivery€1,190€250
Return cost€500€150
PRACTICAL NEXT STEP
Before you decide
● Saved locally on this device.RATIOXA FLOW
Next useful steps
SCENARIO RANGE
Conservative · Base · Optimistic
Locked assumptions
TRUST CHECK
Fair Comparison Check
- !Same comparison horizon
- ✓Comparable cash flows
- ✓Residual values and balances included
- ✓Inputs are internally consistent
Not included in the model
- Contract terms, eligibility and taxes outside the entered values
- Personal risk tolerance and liquidity needs
- Professional legal, tax, finance or energy advice
Assumption freshness
Decision readiness
0/14 inputs replaced with your own or transferred values · 4 real-world details still worth checking
- ○ Check excess mileage cost
- ○ Check return conditions
- ○ Confirm delivery cost
- ○ Compare the cash offer
TRANSPARENT MATH
Formula inspector
Calculation steps
- Lease cost includes all payments, upfront payment, delivery, return and excess mileage.
- Purchase cost equals depreciation plus interest, fees and decision-relevant running cost.
- When finance extends past the horizon, only interest incurred by the comparison date counts; the remaining balance stays a liability.
- Resale-value and payment crossovers are solved from the same cost function.
Substitution with your values
Sum of displayed components A = 14364.00 + 3500.00 + 1190.00 + 500.00 = 19554.00Sum of displayed components B = 15900.00 + 3421.89 + 250.00 + 150.00 = 19721.89Total: 19554.00 / 19721.89Important: Scenario calculation based on your assumptions; not purchase or financing advice.
WHAT-IF
Snapshot current scenario
IMPORTANT DOCUMENTS
Prepare the decision
● Saved locallyQUESTIONS TO ASK
Ask before you sign
- How is excess mileage charged?
- Which return standards apply?
- Are delivery and registration included?
EXTERNAL OFFERS · SEPARATE FROM THE CALCULATION
Explore real offers
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