Lease vs buy comparison API

Compare total lease cost (payments + upfront) against net buy cost (outlay + maintenance less resale value) to recommend the cheaper option, with a side-by-side breakdown. Answers 'should I lease or buy', 'lease at $350/mo vs buy at $30000', 'cheaper to lease or own this car'.

Price$0.01per request

MethodPOST

Route/v1/calc/budget-lease-vs-buy

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

budgetleasebuycarcomparisontcocalculatormoney

API URLhttps://x402.hexl.dev/v1/calc/budget-lease-vs-buy

Integration docs

Example request

{
  "purchasePrice": 30000,
  "leaseMonthly": 350,
  "leaseTermMonths": 36,
  "leaseUpfront": 2000,
  "resaleValue": 15000,
  "maintenanceBuy": 1000
}

Example response

{
  "leaseTotalCost": 14600,
  "buyNetCost": 16000,
  "resaleValueAssumed": 15000,
  "termMonths": 36,
  "recommendation": "lease",
  "savingsVsAlternative": 1400,
  "breakdown": [
    {
      "option": "lease",
      "payments": 12600,
      "upfront": 2000,
      "total": 14600
    },
    {
      "option": "buy",
      "outlay": 30000,
      "maintenance": 1000,
      "lessResale": -15000,
      "total": 16000
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "purchasePrice",
    "leaseMonthly",
    "leaseTermMonths"
  ],
  "properties": {
    "purchasePrice": {
      "type": "number",
      "description": "Purchase price in dollars",
      "examples": [
        30000
      ]
    },
    "leaseMonthly": {
      "type": "number",
      "description": "Monthly lease payment in dollars",
      "examples": [
        350
      ]
    },
    "leaseTermMonths": {
      "type": "number",
      "description": "Lease/comparison term in months",
      "examples": [
        36
      ]
    },
    "leaseUpfront": {
      "type": "number",
      "description": "Lease upfront/drive-off cost in dollars",
      "examples": [
        2000
      ]
    },
    "resaleValue": {
      "type": "number",
      "description": "Estimated resale value at term end (default 50% of price)",
      "examples": [
        15000
      ]
    },
    "buyUpfront": {
      "type": "number",
      "description": "Cash/financed outlay to buy (default = price)",
      "examples": [
        30000
      ]
    },
    "maintenanceBuy": {
      "type": "number",
      "description": "Owner maintenance over the term in dollars",
      "examples": [
        1000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}