How to compare a lease total against the loan portion of a buy

1. Lease side

   "Lease monthly" is your monthly lease payment (the bank/leasing-company invoice). "Lease months" is the contract length (often 24, 36, or 48). The tool's lease total is just `lease × months` — taxes, acquisition, and disposition fees are NOT added.

2. Buy side

   "Purchase price" is the negotiated price. "Down payment" is what you pay up-front. "Loan APR (%)" is the financing rate and "Loan months" is the term — the same 60- or 72-month auto-loan terms apply.

3. Press Run

   Result returns `leaseTotal` (lease cost over the term) and `buyLoanTotal` (= price − down payment + total interest paid). The second is what your bank takes; the first is what the lessor takes.

4. What it doesn't model

   Depreciation/residual value, mileage overage fees, gap insurance, maintenance costs, the resale value of the bought car. For a true total-cost decision you'd add all of those — this tool is the headline-cost comparison only.