Your situation stays in the math.
Price, rate, term, cash on hand, and the trade-offs that actually matter to you—not somebody else's averages.
Clarity before you commit
Answer with confidence.
Worthwise turns a complicated, expensive choice into a direct answer—using your real numbers, not a generic rule of thumb.
Free to run. Clear about every assumption.
Lease vs. Buy Calculator
RecommendedYour clear answer
It's worth buying.
You'll save $3,842 over 36 months based on the assumptions below.
Break-even
4.9% APR
Confidence
High
Your top option
Low APR loan
$521/mo
Made to settle the group chat—not start another spreadsheet.
One decision. The right answer.
No dashboard theater. Just the decision in front of you.
Compare the full picture.
Worthwise puts both options on the same timeline and shows the break-even point that can flip the result.
Share a conclusion.
A clean result card makes it easy to show the answer and the reasoning behind it.
Decision check
Clear enough to act on.
Every result is direct, traceable, and designed to help you move forward with confidence.
01
Focused calculators for the decision that is actually keeping you up.
100%
Transparent assumptions—so you can challenge the answer before trusting it.
0
Opaque scores, buried conclusions, or recommendations bought by a partner.
What you get
The math is detailed. The answer isn't.
Worthwise makes the logic visible without making you do the work of a financial analyst.
Your decision summary
Ready to shareVerdict
Buy, not lease.
Lower total cost with your current financing assumptions.
What changes it
4.9% APR
Above this rate, the lease becomes the lower-cost option.
Includes
- A direct recommendation
- Break-even assumptions
- Comparable total costs
- A shareable result card
Decision check
Straight answers about Worthwise.
Build on clarity
Bring the numbers. Leave with an answer.
Run the scenario in minutes, see what changes the verdict, and share the conclusion with everyone who has an opinion.
Run your calculation