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Buy, borrow or private lease?
Compare every cost over time — including what the car is still worth at the end. You set the assumptions; we show the uncertainty.
- IndependentNo providers, no commission
- Honest about uncertaintyEvery figure with its range
- You stay in controlEvery assumption editable
Which car is this about?
Plate is optional
Vehicle details
€
What you pay, or would pay. Depreciation is measured from this.
yrs
At the start of the comparison.
kg
Sets the road tax bracket.
Without a kerb weight we cannot work out the road tax. That line stays empty rather than being filled with a guess.
Common questions
- Why does private lease usually come out more expensive?
- Because it is not an expensive way of buying — it is a different product. The monthly price carries depreciation, capital, insurance, road tax, servicing, tyres, the annual test and roadside assistance, plus what the lessor charges for taking on the residual-value risk. You pay more, and for four years you know exactly where you stand. Buying is cheaper on average but has a longer tail: a gearbox, a traction battery, or a resale market that moved.
- Why is there sometimes no clear winner?
- We name one only when the uncertainty bands of the two cheapest routes do not overlap. On a decision worth tens of thousands with bands thousands wide, a few hundred euro is not a result. So we say it is too close to call rather than pointing at a winner that could have gone the other way the next day.
- Where do the numbers come from?
- Vehicle data from the Dutch open vehicle register. Road tax from the statutory 2026 rate tables, including the provincial surcharges and the tapering discount for zero-emission cars. Depreciation from comparable adverts in our own archive where we have them, and from our general value curve where we do not. Insurance, servicing and energy are assumptions with a source and an expiry date; all of them are listed under Assumptions and sources.
- Do you advise which one I should choose?
- No. We work out what three ways of paying cost under your assumptions, and we name no provider at all. Advising on financial products requires a licence in the Netherlands and we do not hold one. We also receive no payment from anyone for this feature.