Auto Lease Vs Buy Analysis Excel Apr 2026

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.

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

Varies by state (some tax the full price, others only the lease payment). This is the "deep" part of the analysis

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 auto lease vs buy analysis excel