What CRACTT weighs
Total cost over your horizon
Payments plus what you own or owe at the end, not the monthly number alone.
Mileage reality
Overage fees turn a cheap lease expensive fast if you drive more than the cap.
Depreciation curve
Where the car sits on its depreciation curve decides whether used beats new.
Flexibility
What it costs to get out early under each option if your situation changes.
FAQ
- Does used change the answer?
- Often yes — include a used option and CRACTT will compare all three.
More CRACTT tools
- Should I repair or replace my car?
- How much car can I afford?
- Is this a good used car deal?
- Should I buy an electric car?
- When is the best time to buy a car?
- Should I buy it?