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Lease Vs. Purchase A Car
Before you compare potential, you must first decide if you want to lease or buy the next car. Make use of this calculator to find out which is best for you, and also calculate the savings potential. Enter the information about the price of purchase and down payment to calculate expected monthly payments and total net cost.
Find out your savings potential important decision is to purchase or lease an automobile. This tool calculates the monthly payment and the net cost. By comparing these numbers and between the two options, you will be able to determine which option is better for you.


Definitions

PRICE OF BUY
The total cost of purchase. Price must be before any rebate from the manufacturer.


DOWN PAYMENT
A down payment, which for leases is usually referred to as capital reduction.


SALES TAX RATE
Sales tax percentage to be charged on this purchase. Sales tax is included in each lease payment. Tax on sales for purchases is imposed on the entire value of the sale.


INVESTMENT RATE OF RETURN
Return on investment. This is the amount of money you would make if you were to invest your security deposit or down payment instead of using it in your lease or auto purchase. The exact amount of returns is largely dependent on the type of investments you select. The Standard and Poor's 500(r) (S&P 500(r)) for the 10 years ending December 31 st 2016 had an annual compounded rate of return of 6.6 percent, including dividends reinvestment. From January 1, 1970 to December 31 st 2016, the average annual compounded rate of return for the S&P 500(r), including reinvestment of dividends, was approximately 10.3% (source: www.standardandpoors.com). Since 1970, the highest 12 month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 through March 2009). Savings accounts at an institution can offer as low as 0.25 percent or less, however they have a significantly lower risk of loss of principal balances. It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay more in return generally come with higher risk and greater volatility. The investment returns can fluctuate dramatically over time, and especially when it comes to long-term investments. This is because of the risk of loss of principal from your investment. It is not possible to invest directly in an index and the compounded rate of return mentioned above is not inclusive of the sales costs and other fees that Separate Account investment funds or investment companies might charge.


LOAN TERM In MONTHS
The term in months you will pay for your auto loan. It is usually 36 48, 60, and 72. If you're loan duration is more than the lease period, we compare the buy vs lease options prior to when the lease expires, and then we use the resting loan term to calculate your outstanding loan balance.


LEND INTEREST RATE
Annual rate of interest on your loan.


Other fees
Any other fee, besides an capital reduction or a down payment, required to pay at time of purchase. This may include license, title transfer fees, etc.


ANNUAL DEPRECIATION
The rate of depreciation gauges the speed at which your brand new vehicle will lose its market value. A high depreciation rate is about 20 percent per year, a medium is about 15 percent per year, and low is 10 percent per year.


MARKET VALUE OF VEHICLE
Value of your auto when the lease term is past.


NET COST OF BUYING
The total amount is the cost of buying your vehicle. This is calculated as the following: + Total upfront expenses (down payment + other charges) + Lost interest + Outstanding loan balance when lease expires. Market value of vehicle at time lease expires = Net cost of purchase The loss of cost of your purchase in interest includes the interest you earned at your rate of return for investment on the buy option's down payments as well as other fees. If the monthly payment for leasing is less than the monthly amount for purchasing, it also includes any interest lost because of the larger monthly payment. When leasing costs are more costly than buying, the cost of interest for purchasing is decreased by the amount of the interest you earn from the difference.


LEASE TERM IN MONTHS
The length of time for your auto lease.


LEASE TERM IN MONTHS
Annual rate of interest for your lease.


Other fees
Any fee, other than an capital reduction or a down payment, required to be paid upon the expiration of the lease. This could include license fees fee, title transfer fees and more.


RESIDUAL PERCENT
In the case of leases, this is the remaining value following the lease expires. The higher this amount is, the less the lease payment.


SECURITY DEPOSIT
Security deposit that is refundable at the time lease is signed. We assume that security deposits is fully refunded at the time the lease comes to an end.


NET COST OF LEASE
It is the total cost you pay for leasing your car. This is calculated by total up-front costs (capital reduction + other fees) + total lease payments plus lost interest on lease = Net cost of lease loss of interest from your lease includes the interest you accrued at your investment rate of return on leasing options' down payment and security and other charges. Please see the definition for "Net cost of purchasing" for an explanation on how we account for any interest you get from having a lower monthly lease payment.


How can you determine the savings potential In order to determine if leasing or buying your next vehicle is right for you, you must first enter the vehicle information. It is the price of purchase, vehicle down payment along with expected rates of sales taxes. Once the calculator has gathered these numbers, it can determine the net cost of buying or leasing the vehicle. Enter the expected duration and interest rates for both. The net cost of purchasing can be calculated as a result of adding upfront costs of the purchase -- down payment, fees and taxes -- loss of interest, as well as the value that the marketplace assigns to the car. Take a look at the cost of the lease which is the combination of the upfront costs, lease payments and interest paid on the lease. Check out the two numbers displayed in the graph to decide which option is less expensive.

Definitions of leasing and buying
Annual depreciation Rate The rate of depreciation gauges how fast your new automobile is going to lose value. The highest depreciation rate is 20 per cent per year, a medium is about 15 percent per year and the lowest is 10 percent per year.


Down payment Amount paid as a down payment, which is for leases, is typically known as capital reduction.


Return on investment Rate of return on investments. This is the return that you would make if you would invest your down payment , or security deposit rather than using it for your auto purchase or lease. The actual return for investments may vary in time, particularly for investments that are long-term. This includes the potential loss of principal from your investment.


Lease interest rate Annual interest rate for the lease.


Lease term in months Term by months to be used for the auto lease.


Loan interest rate Annual rate of interest for your loan.


Loan term in months The duration in months for your auto loan. It is usually 36 60, 48 (or 72) months. If the loan period is longer than your lease and you want to compare buy option against lease options up to the point at which the lease expires. We then use your resting loan term to calculate your remaining loan balance.


Value of your vehicle in the market of your car after lease term has ended.


Net price of leasing This is the total cost of leasing your vehicle. This is calculated using the following: Total upfront cost (capital reduction plus other charges) + the total amount of lease payments and lost interest on lease = Net cost of lease. The loss of interest on leases includes the interest you would have earned based on the rate of return you earn on the lease option's initial payment as well as security deposit and other fees.


Net price of purchasing The net price is the cost of purchasing your vehicle. This is calculated by: Total upfront costs (down payment + other charges) + lost interest Outstanding loan balance when lease expires - market value of the vehicle at the time lease expires = net price of buying The lost interest from your purchase is the interest you could have earned based on your investment rate of return on the purchase option's down payment and other charges.



Other fees Any fee other than a capital reduction , or down payment, must pay at moment of the purchase or at the end to the term of lease. This could include license, title transfer fees and similar charges.


Purchase price Total purchase price. Price must be before any rebate offered by the manufacturer.



Residual percentage for leases it is the amount left after the lease term expires. The more you pay, the lower your lease payment will be.


Sales tax rate Tax rate Percentage sales tax to be imposed on this purchase. Taxes on sales are included with every lease payment. Tax on sales for purchases is added to the total value of the sale.



Security deposit Refundable security deposit to be paid at the moment of leasing. We presume the deposit is fully refunded by the time the lease comes to an end.


Do you prefer to lease or buy a car? The choice to your next car is based on the number of miles you intend to drive and the amount you are willing to spend. There is no golden guideline when it comes to choosing the best car, but it more often, it is a matter of reflection on your lifestyle and financial budget. The cost of a car will be less on a monthly basis and offers you the chance to get behind the wheel of a nicer vehicle. However, it comes with mileage limitations and limitations on the car. This puts you in full control of your vehicle, meaning you won't have to be concerned about keeping track of the number on the odometer. Or the charges for vehicle wear-and-tear.


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