Car leasing

Car price (ex-showroom)

Lease term

Employer tax-benefit branch

Monthly base lease

Assumed GST on lease invoice

Assumed cess on lease invoice

Other monthly lease-route costs

At lease end

Purchase down payment

Annual purchase-loan interest

Purchase-loan term

Purchase taxes and one-off fees

Other monthly purchase-route costs

Car resale value at comparison end (if owned)

Net lease-route cost—

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Method and sources

Illustrative pre-tax cash-flow comparison for the same number of months. Monthly invoice tax is base lease × the entered GST and cess percentages, applied once. These rates are scenario assumptions, not an Artha determination of current invoice treatment. Employer tax saving is zero until a dated, eligibility-reviewed rule is approved; selecting another branch blocks the result and export. Buyback adds entered residual price, illustrative levy and fees only if you buy. The entered end-date car resale value applies to the purchase route and also to the lease route only when you buy the car; a returned lease car has no resale value. Purchase cost includes down payment, fees, monthly loan payments and running costs, plus any loan balance still owed at the comparison end, less that resale value. Enter comparable mileage, insurance, service and other costs in the two running-cost fields. Unentered costs, tax eligibility, rate changes, early termination and opportunity returns are excluded.

Illustrative pre-tax comparison only. Employer tax benefit is zero until a dated eligibility rule is approved. Unentered costs, rate changes, early termination and opportunity returns are excluded.