Lease-Purchase Calculator — True $/Mile Trap Check
Weekly payment restated as $/mi and total paid — against the market cost of running the same miles.
LEASE EQUIPMENT $/MI
$—
Total paid (payments + balloon)—
Headroom vs market rate / mo—
Worked example: $900/week, 156 weeks, $15,000 balloon, 2,500 mi/week
Equipment $0.39/mi before maintenance; total paid $155,400.00. Compare the all-in against your market CPM before signing.
Lease questions, answered
Is a $900/week lease-purchase a good deal?
Rarely at low miles: $900/week plus $300/mo extras is ~$0.39/mi equipment cost before maintenance at 2,500 mi/week — $155,400 total over 156 weeks plus balloon.
What kills lease-purchase drivers?
Low weekly miles plus maintenance on an older truck. Under 2,000 mi/week the per-mile cost explodes while the payment never moves.
Lease-purchase vs buying used — which wins?
Compare all-in $/mi here against the truck loan calculator payment on the same truck. If the lease premium exceeds ~$0.10/mi with no maintenance included, walk away.