THE NUMBERS, EXPLAINED
How to use this calculator.
Enter net end equity after any remaining loan. Both options should cover the same period; add unequal mileage and maintenance costs separately.
Start with your inputs
Enter lease upfront (£), lease monthly (£), months, finance upfront (£), finance monthly (£), net equity at end (£). Keep amounts in the units shown on each field. The example is a starting point, not a recommended value.
| Input | Example value |
|---|---|
| Lease upfront (£) | 2000 |
| Lease monthly (£) | 300 |
| Months | 36 |
| Finance upfront (£) | 5000 |
| Finance monthly (£) | 400 |
| Net equity at end (£) | 10000 |
A worked example
With the example inputs above, lease outlay (£) is 12,800. Change the inputs to explore your own scenario.
Putting the example numbers into the formula
Lease outlay (£)
(2000)+(300) × (36) = 12,800
Finance net outlay (£)
(5000)+(400) × (36)-(10000) = 9,400
| Result | Example answer |
|---|---|
| Lease outlay (£) | 12,800 |
| Finance net outlay (£) | 9,400 |
How this is calculated
Lease outlay (£)
a+b × c
Finance net outlay (£)
d+e × c-f
Symbols and units
- a
- Lease upfront (£)
- b
- Lease monthly (£)
- c
- Months
- d
- Finance upfront (£)
- e
- Finance monthly (£)
- f
- Net equity at end (£)
Use the units shown. A list keeps the order in which you enter its values. The symbol ^ means “raised to the power of”.
Assumptions and limits
Enter net end equity after any remaining loan. Both options should cover the same period; add unequal mileage and maintenance costs separately.
Calculations use the values you enter. Blank or invalid inputs show an error instead of silently substituting zero. Results are displayed to useful precision; calculations retain the underlying numeric precision.
Questions about this tool
What does the result tell me?
Lease outlay (£); Finance net outlay (£). The result applies to the method and inputs described above. Check the units and assumptions before using it in a decision.
Why might another calculator differ?
Differences in units, rounding, timing or model definitions can produce different answers. Compare the input definitions and the method, rather than only the final number. For this tool: Enter net end equity after any remaining loan. Both options should cover the same period; add unequal mileage and maintenance costs separately.
Are my inputs stored or sent to AI?
Calculations on this page happen in your browser. The separate AI question finder sends its submitted conversation to OpenAI; these calculator fields are not sent. Favourites and recent tool names are stored locally. A shared link contains the inputs you choose to include.
Review status
Software example and browser checks are recorded in our quality report. No external expert review is claimed. Created with coding assistance; calculations run as ordinary browser code.
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