Free calculator

Car cost calculator

Monthly cost, interest, insurance, fuel — buy vs. lease side by side.

The list price is only part of the story. Interest, insurance, fuel and maintenance drive your real monthly cost.

Enter your numbers and compare buying (with a loan) and leasing in one view.

Estimate only — not an official government calculation. Always verify with toeslagen.nl, Belastingdienst, or SVB.

Transparency about this calculation

Content updated: 24 May 2026
Last reviewed: 24 May 2026

Sources

How MoneyScan calculates

Enter price, term, interest, and running costs.
Compare buy (loan) vs. lease monthly totals.
See total cost over the term — illustrative only.

Why can this differ? Dealer fees, balloon payments, and insurance bundles vary.

Financial lease explained →How MoneyScan works (NL) →

Tips

1
Use realistic running costs
Underestimating insurance or fuel makes any comparison misleading.

Veelgestelde vragen

Often yes monthly, but total cost over the full term can favour buying. Compare both in the tool.

Interest or lease payment, insurance, fuel, maintenance, tax and down payment.

Andere MoneyScan tools

Healthcare benefit calculator

Estimate zorgtoeslag per month (2025).

Rent benefit calculator

Estimate huurtoeslag from rent and income.

Child benefit calculator

SVB amounts per quarter (2025).

Gross to net salary

Rough net pay per month.

Bekijk alle financiële insights →

Related guides

What is financial lease?

Business lease with buy-out option.

Bekijk alle financiële insights →

Sources (NL) · Disclaimer (NL)

MoneyScan provides estimates based on published Dutch rules and our internal data tables. Amounts and eligibility rules can change. Always check official sources such as toeslagen.nl, Belastingdienst (Tax Administration), or SVB before making decisions. This is not tax or legal advice.