Auto Lease Vs Buy - Analysis Excel

You take the risk. If the car is worth less than your loan balance, you are "underwater." 💸 Opportunity Cost

Money Factor (for leases) vs. APR (for loans). auto lease vs buy analysis excel

(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. You take the risk

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