Hi Product Hunt! 👋 I’m the maker behind LeaseOrFinance.ca The idea for this tool came from a place of pure frustration. A few months ago, I was sitting in a dealership office in Mississauga, listening to a salesperson explain why a lease was "definitely" better for me. When I asked to see the math behind the residual value and the implicit interest rate, the conversation got real quiet, real fast. I realized that for most Canadians, the Lease vs. Finance decision is a $50,000+ coin flip. Dealers often push whichever option hits their quarterly targets, not yours. As a Data Scientist, I decided to stop guessing and start calculating. I built this tool to be the "neutral advisor" I wish I had that day. What makes this different from the basic calculators online? • The Full Picture: Most tools ignore tax on residuals or the "lost opportunity cost" of a down payment. This accounts for all of it. • Built for Canada: It handles the specific provincial tax complexities (HST/GST/PST) and 2026 market realities. • Zero Bias: There are no affiliate links to lenders or "get a quote" buttons that sell your data to a dealership. It’s just the math. This is a 100% free tool for the Canadian community. Whether you're eyeing a RAV4 or an Audi, I want you to walk into that dealership knowing exactly which contract is better for your wallet over the long term. I’d love to hear your feedback! What’s one detail you always felt was missing when you were trying to crunch the numbers on your last car? I'll be here all day to answer questions! 🇨🇦🚗

LeaseOrFinance.ca

The data-backed verdict on your next car: Lease or Finance?

The data-backed verdict on your next car: Lease or Finance?