Cost to Purchase  
1. Vehicle price
2. Down payment
3. Amount financed (1 - 2)
4. Monthly payments ($)
5. Length of loan (months)
6. Total payments (4 x 5)
7. Sales tax and out of pocket costs
8. Residual value

Total cost to Purchase
(2 + 6 + 7 - 8)

   
   
   
Cost to Lease  
1. Monthly payments ($)
2. Length of lease (months)
3. Total payments (1 x 2)
4. Up-front costs, if any
5. Disposition fees, if any
6. Cost of gap insurance
Total Cost to Lease
(3 + 4 + 5 + 6)