Auto Lease Vs Buy Analysis Excel -

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

Varies by state (some tax the full price, others only the lease payment).

This is the "deep" part of the analysis. If leasing saves you $200 per month compared to a loan payment, you should calculate the of that $200 invested in the S&P 500. auto lease vs buy analysis excel

Negotiated sales price (MSRP minus discounts). Down Payment: Cash provided upfront. Trade-in Value: Equity from your current car.

To build this analysis, set up your Excel workbook with these distinct sections: 1. The Inputs (Assumptions) Lease You want to customize the car or "rough it up

Use a 2-variable Data Table ( Data > What-If Analysis ) to show how different Interest Rates and Residual Values change the winner.

In most cases, buying becomes cheaper than leasing around the mark. This is because the heavy initial depreciation has slowed down, and you no longer have a monthly payment once the loan is cleared. 📉 Depreciation vs. Market Risk Negotiated sales price (MSRP minus discounts)

Highlight the "Cheaper Option" cell in green automatically.