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Räkna.nu

Lease or buy a car – compare two options

Compare two cars using cash, bank finance or leasing over equal time and mileage. See economic cost, payments, net sale proceeds and remaining debt.

Your assumptions

Choose finance for A and B, then enter your VAT-inclusive quotes and costs. Advanced settings cover loan terms, energy and fees.

Your details

Same whole-year horizon for both cars; the lease quote must cover the entire period.

km

Same mileage for A and B; choose a lease quote covering this distance.

Choose how this option is paid for.

Full VAT-inclusive purchase price.

Your assumed net selling price after selling fees, before remaining debt.

Your quote, only amounts not already included in the lease.

Choose how this option is paid for.

Quote for the same mileage and entire comparison period, including VAT.

One-off amount in addition to ordinary monthly lease payments.

Your quote, only amounts not already included in the lease.

Advanced settings

Setup and other fees; for leasing also include known return charges.

Additional fee paid every month; avoid counting it twice.

Litres of fuel or kWh per 100 km; match the energy-price unit.

Your own VAT-inclusive price; no automatic price feed.

Tax, service, tyres, parking and known excess-mileage costs; exclude depreciation, interest and included services.

Setup and other fees; for leasing also include known return charges.

Additional fee paid every month; avoid counting it twice.

Litres of fuel or kWh per 100 km; match the energy-price unit.

Your own VAT-inclusive price; no automatic price feed.

Tax, service, tyres, parking and known excess-mileage costs; exclude depreciation, interest and included services.

Results update instantly

Calculated result

Example using default values

The difference is B minus A; a positive figure means A costs less. Payments are before final sale. Loan principal and depreciation are not counted twice.

Cost difference: B minus A
SEK 24,000

Estimate, not a legal decision

Read methodology

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Result details

Alternative A · Total economic cost
SEK 212,400
Alternative A · Average monthly cost
SEK 5,900
Alternative A · Cost per km
5.9 SEK/km
Result details

Result details

Alternative A · Payments before sale
SEK 392,400
Alternative A · Remaining debt
SEK 0
Alternative A · Sale proceeds after debt
SEK 180,000
Alternative A · Loan interest paid
SEK 0
Alternative A · Energy cost during the period
SEK 50,400
Alternative B · Total economic cost
SEK 236,400
Alternative B · Average monthly cost
SEK 6,567
Alternative B · Cost per km
6.57 SEK/km
Alternative B · Payments before sale
SEK 236,400
Alternative B · Remaining debt
SEK 0
Alternative B · Sale proceeds after debt
SEK 0
Alternative B · Loan interest paid
SEK 0
Alternative B · Energy cost during the period
SEK 50,400
Save and compare

Save up to five alternatives in this browser. Amounts are not sent to us. The export includes your entered information.

No saved alternatives yet.

Analysis & guidance

  • Payments differ from cost

    Principal reduces debt. Purchase cost captures value loss and finance costs without double counting.

  • Try a lower final value

    A sale price below remaining debt produces negative net sale proceeds.

  • Check included services

    Do not add insurance or maintenance again if included in the lease payment.

About this calculator

Lease or buy a car – compare two options

Compare two cars using cash, bank finance or leasing over equal time and mileage. See economic cost, payments, net sale proceeds and remaining debt.

Equal time and mileage

Use the same years and kilometres for both options. Energy cost is mileage divided by 100 times consumption and energy price. Add your annual insurance, tax, service, tyre and parking expenses without repeating anything included in a quote.

Finance, balloon and final value

Bank finance uses annuity payments with an optional balloon. Cost equals all cash payments minus sale value net of remaining debt. When the loan matures before comparison end, its balloon is paid then. If maturity coincides with the comparison end, debt is settled against the sale.

Use your leasing agreement

Initial, monthly and other lease expenses are included. No car is owned at the end, so there are no sale proceeds. Your quote must cover the entire period and mileage. Enter known return or excess-mileage charges yourself; contract conditions are not inferred.

Example

Paying SEK 200,000 cash and selling for SEK 100,000 after three years costs SEK 100,000 before running costs. A zero-interest loan with SEK 40,000 down and SEK 80,000 remaining balloon produces SEK 120,000 payments and SEK 20,000 net sale proceeds: the same SEK 100,000 cost. A lease of SEK 3,000 monthly plus SEK 10,000 initial payment costs SEK 118,000 with no car owned at the end.

Method and scope

Personal scenarios, not value forecasts or credit offers. Interest is constant. Tax relief, opportunity returns and inflation are excluded. Enter insurance, tax and other running costs yourself, and verify lease fees and included services against the contract. Mileage affects energy and per-kilometre cost, not an automatic excess-mileage charge.

How the calculation works

Equal time and mileage

Use the same years and kilometres for both options. Energy cost is mileage divided by 100 times consumption and energy price. Add your annual insurance, tax, service, tyre and parking expenses without repeating anything included in a quote.

Finance, balloon and final value

Bank finance uses annuity payments with an optional balloon. Cost equals all cash payments minus sale value net of remaining debt. When the loan matures before comparison end, its balloon is paid then. If maturity coincides with the comparison end, debt is settled against the sale.

Use your leasing agreement

Initial, monthly and other lease expenses are included. No car is owned at the end, so there are no sale proceeds. Your quote must cover the entire period and mileage. Enter known return or excess-mileage charges yourself; contract conditions are not inferred.

How to read this calculator

These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.

Estimate, not a legal decision

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Methodology

Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.

Read methodology

Sources and updates

Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.

Read about sources

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