Car Lease vs. Long-term Rental TCO Comparator
Enter car price, term, upfront, monthly payment, and residual to compare the total cost of ownership and monthly average across lease, long-term rental, and cash purchase.
🚗 Common inputs
×10k KRW
Term
km/yr
LeaseLease terms
×10k KRW
Refunded at end (offsets net cost)
×10k KRW
×10k KRW
×10k KRW
End of term
Long-term rentalLong-term rental terms
×10k KRW
×10k KRW
×10k KRW
End of term
Long-term rental already includes insurance, maintenance, and car tax in the monthly fee.
🏆 Lease is the cheapest under these conditions. Saves 43만원 vs. the runner-up.
📊 Total cost comparison
| Item | LeaseCheapest here | Long-term rental |
|---|---|---|
| Initial cost | 600만원 | 100만원 |
| Monthly | 55만원 | 70만원 |
| Total payments | 1,980만원 | 2,520만원 |
| Insurance & maint. (separate) | 297만원 | — |
| End settlement | -300만원 | 0만원 |
| Total outflow | 2,577만원 | 2,620만원 |
| Retained asset | — | — |
| Net cost | 2,577만원 | 2,620만원 |
| Monthly average | 71.6만원 | 72.8만원 |
Return: no car remains at the end. ※ All figures are reference estimates. Actual payments, residuals, and penalties vary by model, credit, and promotion.
🪪 Plate · insurance history · credit
| Item | Lease | Long-term rental |
|---|---|---|
| License plate | Standard private | Commercial (ha/heo/ho) |
| Insurance name/history | In your name · builds no-claims record | Rental firm's name · no personal record (no premium hike) |
| Credit / debt | Finance lease may count as debt | Rental often not counted as debt |
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