{"uid":"cap_O70TwdZQnNsD9E096-SIR","slug":"automotive-lease-vs-buy-calculator-2f1d30ce","name":"Automotive Lease vs. Buy Calculator","description":"Lease versus buy over the lease term: lease payment from money factor and residual, loan payment, resale equity and net cost.","url":"https://automotive-calc.x402tookit.com/lease-vs-buy?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["price","termMonths","residualPercent","loanAprPercent"],"properties":{"price":{"type":"number","description":"Vehicle price (the capitalized cost before down payment), above 0"},"leaseFees":{"type":"number","description":"Acquisition and other upfront lease fees (default 0)"},"termMonths":{"type":"integer","description":"Lease term in months, 12 to 72"},"downPayment":{"type":"number","description":"Cash down on either deal (default 0)"},"moneyFactor":{"type":"number","description":"Lease money factor, for example 0.0025 (APR is about 2400 x money factor); or give leaseAprPercent"},"resalePercent":{"type":"number","description":"Resale value of the bought car at the end as % of price (default: the residual percent)"},"loanAprPercent":{"type":"number","description":"Loan interest rate in percent, 0 to 30"},"leaseAprPercent":{"type":"number","description":"Lease rate as an APR in percent (instead of moneyFactor)"},"residualPercent":{"type":"number","description":"Residual value as % of price, 10 to 90"},"salesTaxPercentOnLeasePayment":{"type":"number","description":"Tax % charged on each lease payment, 0 to 15 (default 0)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"asOf":{"type":["null","string"]},"source":{"type":["null","string"]},"reasons":{"type":["array","null"],"items":{"type":"string"}},"summary":{"type":["null","string"]},"verdict":{"type":["null","string"]},"degraded":{"type":["boolean","null"]},"buyNetCost":{"type":["null","number"]},"disclaimer":{"type":["null","string"]},"notChecked":{"type":["array","null"],"items":{"type":"string"}},"moneyFactor":{"type":["null","number"]},"resaleValue":{"type":["null","number"]},"buyTotalPaid":{"type":["null","number"]},"residualValue":{"type":["null","number"]},"buyEquityAtEnd":{"type":["null","number"]},"leaseTotalPaid":{"type":["null","number"]},"capitalizedCost":{"type":["null","number"]},"leaseFinancePart":{"type":["null","number"]},"loanBalanceAtEnd":{"type":["null","number"]},"monthlyDifference":{"type":["null","number"]},"loanPaymentMonthly":{"type":["null","number"]},"leasePaymentMonthly":{"type":["null","number"]},"leaseDepreciationPart":{"type":["null","number"]},"equivalentLeaseAprPercent":{"type":["null","number"]},"leaseNetCostMinusBuyNetCost":{"type":["null","number"]}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_NDtLHL8RyoviS5KWgegBG","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Compares leasing vs. buying a vehicle over the lease term by computing lease payment, loan payment, resale equity, and net cost for each option.","exampleAgentPrompt":"Compare leasing vs. buying a $42,000 car over 36 months: the residual is 55% of the price, the money factor is 0.0025, the loan APR is 6.5%, and I'm putting $3,000 down — which option costs less overall and what are the monthly payments?","exampleUseCases":[{"title":"First-time leaser evaluating a deal","prompt":"I'm looking at leasing a $35,000 SUV for 36 months. The dealer quoted a residual of 52%, a money factor of 0.00180, and the loan APR if I bought would be 7.2%. No down payment and no extra fees. Can you calculate my monthly lease vs. loan payment and tell me which deal is better overall?"},{"title":"High-mileage commuter comparing long-term cost","prompt":"I drive a lot so I'm considering buying instead of leasing. The car costs $48,000, I'd do a 48-month term, residual is 40%, money factor is 0.0022, loan APR is 5.9%, and I think the car will be worth about 35% of its price at the end. I'm putting $5,000 down. What's the net cost of each option?"},{"title":"Tax-included lease payment breakdown","prompt":"My state charges 8.5% sales tax on each lease payment. The car is $29,500, 24-month lease, 63% residual, money factor 0.00150, and the loan APR is 6%. Can you show me the true monthly lease payment with tax and compare it to the loan payment?"}],"resultDescription":"Returns a structured comparison including: monthly lease payment (with optional tax), monthly loan payment, residual value, resale equity if buying, total net cost of leasing vs. buying over the term, a verdict indicating which option is cheaper, a human-readable summary, and the money factor used. May also include disclaimer text and degraded-mode flags.","failureModes":["Missing required parameters (price, termMonths, residualPercent, loanAprPercent) return a validation error","residualPercent outside 10–90 range causes rejection","termMonths outside 12–72 range causes rejection","Providing neither moneyFactor nor leaseAprPercent may result in incomplete lease calculation","loanAprPercent outside 0–30 range causes rejection","Vehicle price of 0 or negative is rejected"],"whenToPreferThis":"Use this endpoint when you need a side-by-side financial comparison of leasing vs. buying a specific vehicle, especially when you have the money factor and residual percentage from a dealer quote. It is the right choice when you want net cost, equity, and monthly payment for both paths in a single call. Prefer alternatives if you only need a standalone loan amortization schedule or a generic APR-to-payment converter.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T00:35:01.467Z","isFirstParty":false,"canonicalSlug":"automotive-lease-vs-buy-calculator-2f1d30ce"}