Negotiated sales price (MSRP minus discounts). Down Payment: Cash provided upfront. Trade-in Value: Equity from your current car.
Money Factor (for leases) vs. APR (for loans). auto lease vs buy analysis excel
In most cases, buying becomes cheaper than leasing around the mark. This is because the heavy initial depreciation has slowed down, and you no longer have a monthly payment once the loan is cleared. 📉 Depreciation vs. Market Risk Negotiated sales price (MSRP minus discounts)
If you'd like, I can provide the for a specific car model you are looking at, or I can draft a step-by-step guide on how to set up the "Opportunity Cost" calculation. auto lease vs buy analysis excel