Cash, Financing, Lease-to-Own, or Lease

The real cost of your car, finally clear

Price, mileage, term: AutoClair works out in seconds the real cost of paying cash, an auto loan, a lease-to-own, and a lease — payment, maintenance, energy, insurance, and depreciation included. All four options are shown side by side, on the same basis, so you can compare without a spreadsheet or calculator, and choose with full confidence.

Real cost

Payment, maintenance, energy, insurance, and depreciation

Your usage

Mileage and term factored in

4 options

Cash, financing, lease-to-own, lease

Vehicle & Usage

£
Vehicle price + acquisition fees£38,055
mi/yr
£/mo
Any other recurring cost billed each year (local tax, required subscription…) not covered by insurance or maintenance.
£/yr

Total maintenance over 4 yrs: £800

Energy

kWh/100mi
£/kWh

Electricity estimated over 4 yrs : £2,000, a savings of £3,000 compared to a similar petrol vehicle.

Reference petrol vehicle: 40 MPG at £1.5/L.

Payment Option

Check one or more options to compare them side by side.

Cash

Loan, lease-to-own, and lease parameters are pre-filled from the vehicle, mileage, and term. Replace them with the figures from a real offer as soon as you have them.

Vehicle Resale

£

Vehicle value after 4 yrs and 48,000 mi.

Cash
Most affordable

Real cost, monthlyNet cost (depreciation deducted) spread over each month. Used to compare options — it's not what you actually pay out of pocket each month, see "Monthly cash outlay" below.

£620 /mo

£30,000 over 4 yrs

£0.99/mi · vehicle kept

Monthly cash outlayWhat actually leaves your pocket each month, not counting a future resale of the vehicle.
£120/mo

insurance, maintenance, energy : £120

Over 4 yrs

Total paid outAll expenses over the period, before deducting the residual value.
£44,000
Residual valueEstimated resale value, deducted from the total cost.
− £14,000

What makes up the total cost (TCO) of each option

Each bar adds up every expense, then subtracts the value of the vehicle you still hold.

Click a bar to see the calculation in detail.

Cost breakdown

DepreciationFeesCar insuranceMaintenanceEnergy

Average cost per mile

Cash£0.99/mi

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Note: results are educational estimates based on the inputs you enter and indicative market benchmarks. They don't replace a real financing offer, a lease quote, or personalized advice.