Auto Lease Vs Buy Analysis Excel Apr 2026

(Adjusted Cap Cost + Residual Value) × Money Factor. Total Monthly: (Depreciation + Finance Fee) + Sales Tax. 3. The Buy Calculation Loop Loan Payment: Use the =PMT() function in Excel.

If you'd like, I can provide the for a specific car model you are looking at, or I can draft a step-by-step guide on how to set up the "Opportunity Cost" calculation. auto lease vs buy analysis excel

Varies by state (some tax the full price, others only the lease payment). (Adjusted Cap Cost + Residual Value) × Money Factor

Include "Acquisition Fees" for leases and "Registration/Title" for buys. 💡 The Verdict Logic Better Option You drive Lease You keep cars for 7+ years and drive high mileage. Buy You use the vehicle for a business (tax write-offs). Lease You want to customize the car or "rough it up." Buy The Buy Calculation Loop Loan Payment: Use the

Highlight the "Cheaper Option" cell in green automatically.