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Truck Lease vs. Buy Calculator

Compare truck purchase cash flow and resale value with lease payments and fees over the same holding period.

Inputs

Purchase and lease assumptions

Range: at least 1 months

Use the same period for both options. Monthly lease payments are multiplied by this month count.

Range: at least 0 $

Include the down payment and purchase or loan payments actually made during the period. For a cash purchase, include the amount paid. Do not include the loan payoff due at the end; enter that separately.

Range: at least 0 $

Enter the payoff due if the truck is sold at the end of the comparison period. Enter 0 for a cash purchase or a loan paid off by then.

Range: at least 0 $

Enter the expected sale price before subtracting any remaining loan payoff.

Range: at least 0 $

Enter maintenance and purchase-specific fees for the same period. Include purchase taxes or fees here once if they apply.

Range: at least 0 $

Enter upfront payments and lease-start fees from the offer.

Range: at least 0 $

Enter the scheduled payment from the offer; variable charges must be included separately if known.

Range: at least 0 $

Estimate mileage, disposition, damage, and other applicable fees over the comparison period from the lease terms.

Range: at least 0 $

Enter maintenance that remains your responsibility under the lease for the same period.

Result

Lease cost minus purchase cost
—
Estimated lease cost over period
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Purchase payments, payoff, maintenance, and fees
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Net purchase cost after resale proceeds
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Scheduled lease payments over period
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Lower estimated cost
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Comparison formulas

Purchase payments, payoff, maintenance, and fees
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Net purchase cost after resale proceeds
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Estimated lease cost over period
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Lease cost minus purchase cost
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Related calculators

Estimates depend on the inputs and assumptions shown on each tool. Verify important figures against your records, contracts, and current official requirements.