Lease Vs Buy

{
  "asOf": "2026-10-11T14:38:37.912Z",
  "buyEquityAtEnd": 18000,
  "buyNetCost": 14855.69,
  "buyTotalPaid": 32855.69,
  "capitalizedCost": 30000,
  "degraded": false,
  "disclaimer": "Screening signal computed from the named public source. Not financial, legal or investment advice; provided as is. Verify at the source before acting.",
  "equivalentLeaseAprPercent": 6,
  "leaseDepreciationPart": 333.33,
  "leaseFinancePart": 120,
  "leaseNetCostMinusBuyNetCost": 1464.31,
  "leasePaymentMonthly": 453.33,
  "leaseTotalPaid": 16320,
  "loanBalanceAtEnd": 0,
  "loanPaymentMonthly": 912.66,
  "moneyFactor": 0.0025,
  "monthlyDifference": -459.32,
  "notChecked": [
    "mileage limits and excess-mileage fees on the lease, wear charges and the disposition fee",
    "sales tax, registration and insurance differences (tax on a purchase is usually due upfront on the full price)",
    "…2 more"
  ],
  "reasons": [
    "Lease payment = (cap cost - residual) / term + (cap cost + residual) x money factor, then tax on the payment.",
    "Buy net cost = loan payments + down payment - (resale value - remaining loan balance).",
    "…2 more"
  ],
  "resaleValue": 18000,
  "residualValue": 18000,
  "source": "computed locally",
  "summary": "Lease: 453.33 a month (333.33 depreciation + 120 finance), net cost over 36 months 16320. Buy: 912.66 a month, net cost after selling at 18000 14855.69. Buying costs 1464.31 less over the term.",
  "verdict": "BUYING_COSTS_LESS_OVER_TERM"
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://automotive-calc.x402tookit.com/lease-vs-buy?downPayment=0&loanAprPercent=6&moneyFactor=0.0025&price=30000&residualPercent=60&termMonths=36'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://automotive-calc.x402tookit.com/lease-vs-buy?downPayment=0&loanAprPercent=6&moneyFactor=0.0025&price=30000&residualPercent=60&termMonths=36' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.02 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.02" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.02 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fautomotive-calc.x402tookit.com%2Flease-vs-buy
const res = await pay("https://automotive-calc.x402tookit.com/lease-vs-buy?downPayment=0&loanAprPercent=6&moneyFactor=0.0025&price=30000&residualPercent=60&termMonths=36");
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.02 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.02"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://automotive-calc.x402tookit.com/lease-vs-buy?downPayment=0&loanAprPercent=6&moneyFactor=0.0025&price=30000&residualPercent=60&termMonths=36")
    print(res.status_code, res.text)