Calculadora de Compra de Arrendamento de Carro
Calcule a rentabilidade de comprar seu carro ao fim do leasing. Compare o valor de resíduo contratual com tabelas de mercado e taxas. Grátis, sem cadastro.
Leia também: Guia de compra de leasing, Guia refinanciamento e leasing
Como funciona
A calculadora de lease buyout compara residual do contrato ao valor de mercado e custo de financiamento para decidir se comprar o carro leased compensa.
No desfecho de um contrato imobiliário de arrendamento mercantil de viatura (leasing de automóvel), o cliente possui o direito adquirido de adquirir o patrimônio pelo valor residual pactuado no ano um. Devido à flutuação de preços em carros usados ou inflação industrial, muitas vezes o valor oficial de mercado supera em milhares de dólares o resíduo do banco. Adquirir o bem protege sua margem de ganho e evita a perda de equidade.
Comprar leasing vs devolver vs novo lease
Comprar no fim do leasing vale quando valor de mercado supera o residual.
Inclua imposto, taxas e financiamento do buyout na comparação.
Guia, exemplos e metodologia
How to use this car lease buyout calculator
Enter your contract residual (buyout price), estimated market value, optional sales tax rate, disposition or purchase fees, and buyout loan terms if you will finance the purchase. The calculator compares buying the car at lease end versus walking away, and can include a simple finance payment if you do not pay cash. Use it 60–90 days before lease maturity when you still have time to get independent market quotes.
Leasing companies set the residual at contract signing; market values move with supply, mileage, and model year. When market value exceeds residual, you have positive equity in buyout terms—the car is cheaper to buy than to replace at retail. When residual exceeds market value, returning the vehicle often beats buying unless you have excess wear fees that make return costly.
Example (USD): SUV with $22,000 residual
| Market value | Residual | Rough equity | Typical call |
|---|---|---|---|
| $24,500 | $22,000 | +$2,500 | Buyout may beat retail replacement |
| $20,000 | $22,000 | −$2,000 | Return or negotiate early buyout |
| $22,000 + 7% tax + $395 fee | — | — | Include tax/fees in true cost |
Buyout vs return vs new lease
Buying preserves known maintenance history and avoids disposition charges when the car is in good shape. Returning is simple when the residual is above market or when wear-and-tear charges would apply on buyout anyway. A new lease resets payment but adds acquisition fees and another residual bet—compare the monthly cost of a new lease against owning the current car for 3–5 more years using this buyout math plus estimated maintenance.
Financing the buyout
Many lessors offer buyout loans; credit unions and banks may beat captive lender rates. Enter APR and term here to see monthly payment and total finance cost stacked on top of residual plus tax. A low payment with a 72-month note can cost more total interest than a shorter loan even if the buyout price is fair.
Early buyout before lease end
Early buyout quotes sometimes use remaining payments plus residual minus credits—not the contract residual alone. If you model early exit, confirm the lessor's payoff quote includes all remaining rent charge and fees. This calculator focuses on end-of-lease residual versus market; adjust inputs if your quote differs.
How we calculate
Equity position ≈ market value minus residual (before tax). Total buyout cost adds sales tax on the taxable base (rules vary by US state), purchase option fees, and finance interest if applicable. We do not model excess mileage or wear charges on return—add those mentally if your return inspection would be expensive.
Common mistakes
- Comparing residual to trade-in offer without checking private-party market value.
- Ignoring sales tax on buyout when budgeting cash needed at signing.
- Financing buyout at a long term on an aging vehicle without warranty coverage.
- Assuming buyout price is negotiable when the contract fixes the residual (some lessors allow negotiation—ask).
- Forgetting gap between lease insurance requirements and loan payoff if the car is totaled after buyout.
Related calculators
After buyout you own a depreciating asset—compare ongoing costs to a fresh lease or purchase using our car loan amortization calculator. For household cash-flow, see how buyout payment fits alongside mortgage refinance or student loan payoff in our refinance cluster guide.
Calculadoras relacionadas
- Calculadora de Refinanciamento de Empréstimos
- Calculadora de Refinanciamento de Crédito Estudantil
- Calculadora de HELOC
- Calculadora de Financiamento
Perguntas frequentes
Devo comprar o carro se o mercado estiver abaixo do residual?
Não! Nesse caso, é melhor devolver as chaves à concessionária e deixar que eles assumam a depreciação extra do mercado. Você pode comprar um veículo equivalente mais barato nas lojas.
Comprar lease se mercado > residual?
Em geral sim — captura equity; pode revender.
Taxas no buyout do lease?
Inclua taxa de compra, documentação e impostos.
Dá para negociar o residual?
Às vezes com banco/financeira perto do fim do contrato.