Lease versus buy over the lease term
Lease versus buy over the lease term: lease payment from money factor and residual, loan payment, resale equity and net cost.
Not tested: has real-world effectsour last check, 2026-10-21
0 of 0checks answered this week
n/amedian answer time
$0.02listed price per call
n/aprice it asked us
Paid test badge: not yet. The checks above are free: we call the tool without paying and read the payment request it sends back. The Verified badge needs paid calls whose answers match the promised output, and nobody can buy a badge.
Endpoint
GET https://automotive-calc.x402tookit.com/lease-vs-buy
| Category | Everything else |
|---|---|
| Provider host | automotive-calc.x402tookit.com |
| Networks | eip155:137, eip155:42161, eip155:8453, solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp |
| Payment schemes | exact |
| Self-reported calls, 30 days | 1 from 1 payers (the provider's figure, not ours) |
Our checks, last 30 days
We never call tools that send, buy, move money or file anything, not even without paying.
Example input (from the provider)
{
"method": "GET",
"queryParams": {
"downPayment": 0,
"loanAprPercent": 6,
"moneyFactor": 0.0025,
"price": 30000,
"residualPercent": 60,
"termMonths": 36
},
"type": "http"
}
Promised output schema (from the provider)
{
"$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