如何计算EV Lease vs Buy
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The EV Lease vs Buy Calculator compares the total cost of leasing versus purchasing an electric vehicle over a given period, factoring in tax credit access, depreciation risk, and monthly cash flow differences.
公式
Lease Total = (Monthly Payment x Term) + Down Payment + Fees; Buy Total = Purchase Price + Interest - Resale Value - Tax Credits
- MP
- Monthly Payment ($/month) — Monthly lease or loan payment amount
- RV
- Residual Value ($) — Guaranteed vehicle value at lease end, or estimated resale value for purchase
- MF
- Money Factor (dimensionless) — Lease financing rate; multiply by 2,400 to convert to approximate APR
- APR
- Annual Percentage Rate (%) — Loan interest rate for purchase financing
分步指南
- 1Enter vehicle MSRP, lease terms (monthly payment, down payment, term), and money factor
- 2Input purchase financing terms (loan rate, term, down payment)
- 3Add applicable EV tax credits (leases access commercial credit with no income/MSRP caps)
- 4Compare total costs and monthly cash flow for each scenario
例题解析
输入
$45,000 EV: Lease $399/mo, $2,000 down, 36 mo; Buy $0 down, 5.9% APR, 60 mo
结果
Lease total: $16,364; Buy total: $52,131 minus $22,000 resale = $30,131 net cost. Buy saves $13,767 over 5 years.
输入
$55,000 EV, buyer exceeds income limit but lease captures $7,500 credit
结果
Lease effectively discounts to $47,500 equivalent — leasing wins by $4,200 over 3 years
常见错误注意事项
- ✕Forgetting that leases can access the full $7,500 commercial EV credit regardless of your income or the vehicle MSRP
- ✕Not accounting for rapid EV depreciation — EVs lose 40-50% value in 3 years, making leasing a hedge against depreciation risk
- ✕Ignoring mileage limits on leases (typically 10k-12k mi/yr) which may not suit high-mileage drivers
常见问题
Is it better to lease or buy an EV in 2025?
Leasing often wins if you want the latest technology every 3 years, exceed income limits for buying credits, or want to avoid EV depreciation risk. Buying wins if you plan to keep the car 7+ years and qualify for the full purchase credit.
Do leased EVs qualify for the $7,500 tax credit?
Yes, through the commercial clean vehicle credit. The leasing company claims it and typically passes savings to you as a lower payment or cap cost reduction, with no MSRP or income restrictions.
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