# Automotive Lease vs. Buy Calculator

> Automotive Lease vs. Buy Calculator is a paid API for AI agents from automotive-calc.x402tookit.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-30).

Compares leasing vs. buying a vehicle over the lease term by computing lease payment, loan payment, resale equity, and net cost for each option.

## Facts

- Endpoint: GET https://automotive-calc.x402tookit.com/lease-vs-buy?utm_source=zero.xyz
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/automotive-lease-vs-buy-calculator-2f1d30ce
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_O70TwdZQnNsD9E096-SIR

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability automotive-lease-vs-buy-calculator-2f1d30ce
```

Example prompt: Compare leasing vs. buying a $42,000 car over 36 months: the residual is 55% of the price, the money factor is 0.0025, the loan APR is 6.5%, and I'm putting $3,000 down — which option costs less overall and what are the monthly payments?

## When to prefer this

Use this endpoint when you need a side-by-side financial comparison of leasing vs. buying a specific vehicle, especially when you have the money factor and residual percentage from a dealer quote. It is the right choice when you want net cost, equity, and monthly payment for both paths in a single call. Prefer alternatives if you only need a standalone loan amortization schedule or a generic APR-to-payment converter.

## Known failure modes

- Missing required parameters (price, termMonths, residualPercent, loanAprPercent) return a validation error
- residualPercent outside 10–90 range causes rejection
- termMonths outside 12–72 range causes rejection
- Providing neither moneyFactor nor leaseAprPercent may result in incomplete lease calculation
- loanAprPercent outside 0–30 range causes rejection
- Vehicle price of 0 or negative is rejected

## How this service works

Lease versus buy over the lease term: lease payment from money factor and residual, loan payment, resale equity and net cost.

## Output

Returns a structured comparison including: monthly lease payment (with optional tax), monthly loan payment, residual value, resale equity if buying, total net cost of leasing vs. buying over the term, a verdict indicating which option is cheaper, a human-readable summary, and the money factor used. May also include disclaimer text and degraded-mode flags.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "price",
      "termMonths",
      "residualPercent",
      "loanAprPercent"
     ],
     "properties": {
      "price": {
       "type": "number",
       "description": "Vehicle price (the capitalized cost before down payment), above 0"
      },
      "leaseFees": {
       "type": "number",
       "description": "Acquisition and other upfront lease fees (default 0)"
      },
      "termMonths": {
       "type": "integer",
       "description": "Lease term in months, 12 to 72"
      },
      "downPayment": {
       "type": "number",
       "description": "Cash down on either deal (default 0)"
      },
      "moneyFactor": {
       "type": "number",
       "description": "Lease money factor, for example 0.0025 (APR is about 2400 x money factor); or give leaseAprPercent"
      },
      "resalePercent": {
       "type": "number",
       "description": "Resale value of the bought car at the end as % of price (default: the residual percent)"
      },
      "loanAprPercent": {
       "type": "number",
       "description": "Loan interest rate in percent, 0 to 30"
      },
      "leaseAprPercent": {
       "type": "number",
       "description": "Lease rate as an APR in percent (instead of moneyFactor)"
      },
      "residualPercent": {
       "type": "number",
       "description": "Residual value as % of price, 10 to 90"
      },
      "salesTaxPercentOnLeasePayment": {
       "type": "number",
       "description": "Tax % charged on each lease payment, 0 to 15 (default 0)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "asOf": {
       "type": [
        "null",
        "string"
       ]
      },
      "source": {
       "type": [
        "null",
        "string"
       ]
      },
      "reasons": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": "string"
       }
     
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/automotive-lease-vs-buy-calculator-2f1d30ce/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from automotive-calc.x402tookit.com](https://www.zero.xyz/host/automotive-calc.x402tookit.com/llms.txt)