The short answer
Total cost over 5 years
Everything you pay out after tax until you sell, less the private sale price. For the cars you already have or are given, the value they lose counts too. Lower is better.
What leaves your pay each fortnight
While the lease or loan runs. Lease: the drop in take-home pay, with lease, running costs and fees all paid before tax. Loan: repayment plus running costs. XC60 and Eos: running costs only, averaged over all the years you own them; repairs and duty are paid up front.
Year by year
Every dollar behind the total, at your current settings. Scroll sideways for the car's value, what you'd still owe and your equity.
What you pay each year
After tax, by what it goes on. Lump sums and the sale are in the table above.
Car value vs what you owe
The shaded gap is your equity at each year end.
If you lose your job
Resale curve, 0 to 10 years
Running costs, with the working
Resale evidence
What moves the total
Pros, cons and checks
Cost per year if you sell sooner
Net cost per year if you sell after 1 to 5 years, ignoring the sliders: a lease of exactly that length, or your car loan paid out from the sale. The highlighted line is .
Resale value
Share of the price (or of today's value, for the XC60 and Eos) you get back when selling privately. The highlighted line is .
Lease or loan, and how long to lease, if you own it until year
EVs only. Total cost to year if the lease runs 1, 2, 3… years, then you and keep the car until selling it in year . "Loan" is no lease at all: the car goes on your . Lower is better. The highlighted line is . Change the year with "Own the car for".
Real lease quotes vs this page
Quotes you were given (salary $170,000, 15,000 km, 60 months). "This page" re-runs the model at the quote's salary, km and lease length, sold at lease end, whatever the sliders say. It uses your current lease rate, fees, power price and insurance choice, so you can see how close the estimates are. All quote figures are quoted; page figures are estimated.
Insurance quotes
Comprehensive, no extras, annual. Q quoted on 13 Nov 2026; a dash means not quoted yet; grey text means the insurer wouldn't quote that car. Cheapest quote per car in green (the costs above use the cheapest market-value quote unless you pick an insurer; ALDI is agreed value).
Side by side
Scroll sideways to compare; the selected car's column is tinted.
Each car up close
Finance details at your settings for every car. The deep dive above has the year-by-year working, evidence, pros and cons for one car at a time.