Money Factor (for leases) vs. APR (for loans).
Include "Acquisition Fees" for leases and "Registration/Title" for buys. 💡 The Verdict Logic Better Option You drive Lease You keep cars for 7+ years and drive high mileage. Buy You use the vehicle for a business (tax write-offs). Lease You want to customize the car or "rough it up." Buy auto lease vs buy analysis excel
=FV(Expected_Return/12, Term, -Monthly_Savings) 🚀 Advanced Excel Features to Include Money Factor (for leases) vs
Use =CUMPRINC() to see how much of the car you actually own at any month. 🔍 Critical Comparison Metrics 🛡️ The "Break-Even" Point 💡 The Verdict Logic Better Option You drive
Use a 2-variable Data Table ( Data > What-If Analysis ) to show how different Interest Rates and Residual Values change the winner.
Varies by state (some tax the full price, others only the lease payment).
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.