Free calculator·Updated: 25 mei 2026·Reviewed: 24 May 2026

Car cost calculator

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

Indicative onlyBased on: Belastingdienst: lease en bijtelling· Year 2025

Reviewed by MoneyScan editorial · Last reviewed: 24 May 2026 · Source: Belastingdienst: lease en bijtelling

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) →

Example situations

Illustrative examples; not personal advice.

Twijfel kopen of leasen
Gezin, € 400 per maand budget
Vergelijkt private lease met financial lease.
Tip: Gebruik dezelfde looptijd en km voor een eerlijke vergelijking.
Related tool →
Starter ZZP
Eerste bedrijfsauto
Financial lease, bijtelling en km vergoeding spelen mee.
Tip: Combineer lease-berekening met kilometervergoeding.
Related tool →

Common mistakes

Alleen naar de laagste maandprijs kijken.
Verzekering dubbel tellen (in lease én apart).

Watch out for

Restschuld en boetes bij vroegtijdig beëindigen.

Often forgotten

Banden, APK, parkeren, tol

Why results may differ

Leasemaatschappij en contractvoorwaarden verschillen.
All amounts are indicative; no rights can be derived.

Official check: Sources · Disclaimer

Source validity may have expired. Check the official site.

Sources for this page

Indicative only

MoneyScan uses these sources as the basis for the estimate on this page.

Belastingdienst: lease en bijtelling ↗
Year:
2025
Last checked:
2026-05-24
Valid until:
2025-12-31

Data updated: 2025-01-01
Page reviewed: 24 May 2026

All MoneyScan sources → · Disclaimer

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.

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Related guides

What is financial lease?

Business lease with buy-out option.

View all financial insights →

Sources & datasets · Disclaimer

MoneyScan provides estimates based on published Dutch rules. Always check toeslagen.nl, Belastingdienst, or SVB. Not tax, legal, or mortgage advice.