Ontario · 13% HST · CAD

Equity or expense? Know before you lease.

Two cars with the same monthly payment can be thousands of dollars apart four years later. We show you both ends of the deal before you commit.

Look up a vehicle Compare a shortlist

Best equity todayGenesis GV70 →

+$23,306$1,586 / mo

48 months, 20,000 km a year, taxes included — the amount you'd expect to collect or roll into your next lease.

Trade-in equity applied$2,000

Tax you avoid by applying it in Ontario: $284

Same payment, very different endings

48 months · 20,000 km/yr · taxes for Ontario

See all 282

Vehicle	Monthly	Buyout	Worth then	Equity	Holds value
Genesis GV702.5T Advanced	$1,586	$12,500	$33,125	+$23,306	Average
Hyundai PalisadePreferred AWD	$895	$22,755	$31,079	+$9,407	Strong
Toyota TundraLimited 4x4	$1,185	$43,372	$50,343	+$7,877	Exceptional
Toyota 4RunnerTRD Off-Road 4x4	$896	$37,470	$44,340	+$7,763	Exceptional
BMW X5xDrive40i	$1,476	$49,880	$44,410	−$5,470	Average
BMW i4eDrive40	$1,232	$35,355	$29,916	−$5,439	Soft
Ford Mustang Mach-ESelect AWD	$1,165	$27,495	$22,546	−$4,949	Soft

The top rows finish ahead; the bottom rows finish behind. Interest rates shown across the site range from 0.5% at the factory to 8.2% once a markup is added.

How you use it

01

Tell us where you live

Taxes, credits and lease rules differ in every province and territory. Every number on the site adjusts the moment you pick yours.

02

Look a vehicle up

Payment with tax, buyout price, the interest rate the factory actually offers, and how strictly the brand inspects cars at return.

03

Line up your shortlist

Add the cars you're weighing to one table and sort by what a lease really costs once the end-of-lease money is counted.

04

Plan the hand-back early

Know four years ahead whether you'll write a cheque or collect one — and drive accordingly.

Five blind spots

Where leases quietly lose you money

Canada-wide, province by province

01

The buyout is often a bargain

If the market pays $27,000 for a car your contract lets you buy for $23,000, that $4,000 belongs to you — not the dealer who takes the keys back.

02

The rate you're quoted isn't the rate on offer

The factory offers one rate; the finance office may quote a higher one and keep the difference. Over four years that gap is often north of $1,500.

03

Your trade-in cuts the tax, not just the price

Money you put in reduces the amount that gets taxed each month. We show that saving in dollars for your province.

04

Kilometres are far cheaper bought early

Bought upfront they cost a few cents. Billed at the end they cost double, plus tax. We compare what you're allowed against what you really drive.

05

Some brands charge for every scuff

One brand forgives $1,500 of damage; another bills all of it. We rate every brand's return strictness so there are no surprises.

Start with the car you're being quoted on

Then add two more and see which one actually costs less over four years — taxes, fees and rebates for your province included.

Your province

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