Compare leasing and a cash purchase over the same term. The calculator shows total cost, effective monthly cost, cost per kilometre and payment history.
Monthly lease paymentCHF 424
Financed capital
CHF 31’500
Calculated residual value
CHF 15’750
Payments until return
CHF 23’859
Of which financing cost
CHF 4’609
Calculated as a monthly annuity with a final residual value and effective annual interest rate.
The residual value is not automatically a purchase price or right to buy.
Cash purchase vs leasing
Lease or buy a car: which costs less?
Add insurance, upkeep and mileage. AutoWo compares leasing with a cash purchase over the same term, including cost breakdowns and payment history.
Cash purchase vs leasing: total cost comparison
Leasing
CHF 739
Effective monthly cost
Total until return
CHF 35’459
Cash purchase
CHF 601
Effective monthly cost
Net cost after resale
CHF 28’850
The cash purchase is cheaper in this scenario.Difference over the term: CHF 6’609
Estimated excess mileage
0 km · CHF 0
Shared running and maintenance costs
CHF 6’000
Comparison key figures
Distance driven60’000 kmTotal cost per kilometre
Leasing
CHF 0.59
Cash purchase
CHF 0.48
Cash required at the start
Leasing
CHF 3’500
Cash purchase
CHF 35’000
What makes up the total cost?
The bars break down both options over the same term.
Leasing
CHF 35’459
Vehicle use / depreciation
CHF 19’250
Financing cost
CHF 4’609
Insurance
CHF 5’600
Maintenance, tax and tyres
CHF 6’000
Cash purchase
CHF 28’850
Depreciation after resale
CHF 19’250
Insurance
CHF 3’600
Maintenance, tax and tyres
CHF 6’000
Payment history over the term
Actual cumulative cash outflow. For the cash purchase, the expected resale value is deducted at the end.
LeasingCash purchase
What drives the difference?
Positive values make leasing more expensive; negative values favour leasing. Together they equal the total cost difference.
← Favours leasingFavours buying →
Resale value versus lease residualCHF 0
Financing cost+CHF 4’609
Insurance difference+CHF 2’000
Excess mileageCHF 0
One-off additional costCHF 0
The purchase comparison excludes financing and investment returns. Return damage, discounts and partner-specific fees cannot be predicted and are not included.
Cash purchase or leasing: which costs does the calculator compare?
The lease payment is calculated as a monthly annuity with a final residual value and effective annual interest rate. The deposit, term and residual value directly affect the payment and financing cost.
For a fair total-cost comparison, add insurance, maintenance, road tax, tyres, mileage and an expected resale value. Every analysis uses the same term and the same verified calculation results.
FAQ
Frequently asked questions about leasing or buying
Is it cheaper to buy or lease a car?
It mainly depends on the interest rate, residual value, resale value, insurance and mileage. The calculator compares both options over an identical term so you can assess your scenario.
Is the lease residual value automatically the purchase price?
No. It determines the lease payment but is not automatically a guaranteed right to buy or the final purchase price. The specific contract controls.
Which costs are included in the comparison?
It includes lease payments, the deposit, one-off costs, excess mileage, insurance, maintenance, road tax and tyres. For the cash purchase, the expected resale proceeds are deducted.