{"slug":"automotive-calc-x402tookit-com-lease-vs-buy-1a173f","title":"Lease versus buy over the lease term","host":"automotive-calc.x402tookit.com","method":"GET","resource":"https://automotive-calc.x402tookit.com/lease-vs-buy","category":"other","description":"Lease versus buy over the lease term: lease payment from money factor and residual, loan payment, resale equity and net cost.","price_listed":0.02,"price_asked":null,"state":"effects","state_label":"Not tested: has real-world effects","checks_7d":0,"answered_7d":0,"latency_ms_median":null,"reported_calls_30d":1,"reported_payers_30d":1,"networks":["eip155:137","eip155:42161","eip155:8453","solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp"],"badge":"unverified","paid_checks_7d":0,"paid_ok_7d":0,"example_input":{"method":"GET","queryParams":{"downPayment":0,"loanAprPercent":6,"moneyFactor":0.0025,"price":30000,"residualPercent":60,"termMonths":36},"type":"http"},"output_schema":{"$schema":"https://json-schema.org/draft/2020-12/schema","properties":{"input":{"additionalProperties":false,"properties":{"method":{"enum":["GET"],"type":"string"},"queryParams":{"properties":{"downPayment":{"description":"Cash down on either deal (default 0)","type":"number"},"leaseAprPercent":{"description":"Lease rate as an APR in percent (instead of moneyFactor)","type":"number"},"leaseFees":{"description":"Acquisition and other upfront lease fees (default 0)","type":"number"},"loanAprPercent":{"description":"Loan interest rate in percent, 0 to 30","type":"number"},"moneyFactor":{"description":"Lease money factor, for example 0.0025 (APR is about 2400 x money factor); or give leaseAprPercent","type":"number"},"price":{"description":"Vehicle price (the capitalized cost before down payment), above 0","type":"number"},"resalePercent":{"description":"Resale value of the bought car at the end as % of price (default: the residual percent)","type":"number"},"residualPercent":{"description":"Residual value as % of price, 10 to 90","type":"number"},"salesTaxPercentOnLeasePayment":{"description":"Tax % charged on each lease payment, 0 to 15 (default 0)","type":"number"},"termMonths":{"description":"Lease term in months, 12 to 72","type":"integer"}},"required":["price","termMonths","residualPercent","loanAprPercent"],"type":"object"},"type":{"const":"http","type":"string"}},"required":["type","method"],"type":"object"},"output":{"properties":{"example":{"properties":{"asOf":{"type":["null","string"]},"buyEquityAtEnd":{"type":["null","number"]},"buyNetCost":{"type":["null","number"]},"buyTotalPaid":{"type":["null","number"]},"capitalizedCost":{"type":["null","number"]},"degraded":{"type":["boolean","null"]},"disclaimer":{"type":["null","string"]},"equivalentLeaseAprPercent":{"type":["null","number"]},"leaseDepreciationPart":{"type":["null","number"]},"leaseFinancePart":{"type":["null","number"]},"leaseNetCostMinusBuyNetCost":{"type":["null","number"]},"leasePaymentMonthly":{"type":["null","number"]},"leaseTotalPaid":{"type":["null","number"]},"loanBalanceAtEnd":{"type":["null","number"]},"loanPaymentMonthly":{"type":["null","number"]},"moneyFactor":{"type":["null","number"]},"monthlyDifference":{"type":["null","number"]},"notChecked":{"items":{"type":"string"},"type":["array","null"]},"reasons":{"items":{"type":"string"},"type":["array","null"]},"resaleValue":{"type":["null","number"]},"residualValue":{"type":["null","number"]},"source":{"type":["null","string"]},"summary":{"type":["null","string"]},"verdict":{"type":["null","string"]}},"type":"object"},"type":{"type":"string"}},"required":["type"],"type":"object"}},"required":["input"],"type":"object"},"history":[],"description_full":"Lease versus buy over the lease term: lease payment from money factor and residual, loan payment, resale equity and net cost.","last_updated":"2026-10-20T20:45:18.835Z","schemes":["exact"]}