Car Leasing vs Buying Calculator (Singapore, 2026)

When to use this

Leasing is often sold as “no hassle”, while buying is framed as “asset ownership”. This calculator answers the only question that matters: over the same time horizon, what’s the true total cost and all‑in monthly cost?

Lease scenario

Monthly lease price (SGD)

Upfront lease fees (SGD) End/return fees (SGD)

Does lease include insurance? Does lease include road tax?

Maintenance included?

Buy scenario

On-road price (SGD) Expected resale value at horizon (SGD)

Downpayment (%) Loan tenure (years)

Rate type Interest rate (% p.a.)

One-time fees (bank + dealer) (SGD)

Running costs (if not included)

Insurance (annual, SGD) Road tax (annual, SGD) Maintenance (annual, SGD)

Parking (monthly, SGD) Mileage (annual, km) Fuel efficiency (km/L)

Fuel price (SGD/L)

Comparison horizon (years)

Tip: choose the period you realistically keep the car (or lease).

Results

Lease total cost

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Buy total cost

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Winner

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Component	Lease (SGD)	Buy (SGD)	Notes

Read the decision guide: leasing vs buying