Wondering if you should buy outright, finance, or lease a car in 2025?
With rising costs, fluctuating interest rates, and pushy sales tactics, it’s hard to know which option truly gives you the best value. That’s why I built a template to help you break down the numbers and figure out the smartest, most cost-effective way to get your next car.
 
Features of the Template:
3-Way Cost Analysis – Compares total cost of ownership across cash, financing, and leasing.
2 Scenarios – Calculates whether it’s worth putting down a deposit and how much you’ll save in interest. Scenario 1 assumes no deposit, while Scenario 2 lets you input a custom deposit amount.
Opportunity Cost – Factors in what your cash could earn elsewhere (e.g., safe returns from GICs), so you see the real financial impact of each option.
Results Summary – Auto-generates a summary table to instantly compare outcomes and reveal the cheapest option for your situation.
Automated Calculations – Once you input your assumptions, all numbers flow through both scenarios to reflect current market data and calculate impact instantly.
 
Why This Template?
Evidence-Based Decision-Making – Know what’s truly cheaper—not just what the dealership tells you.
Custom to You – Tweak assumptions like down payment, interest rates, and investment returns to fit your personal situation.
Saves You Thousands – Avoid costly mistakes and choose the option that makes the most long-term financial sense.
Time-Saving Efficiency – Simplify your decision-making process with a clean, user-friendly tool—no more hours of manual number crunching.
 
For a Step-by-Step Live Tutorial, watch the YouTube video here.