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CARBUDGET SWITZERLAND · PAYMENT COMPARISON

BUY. LEASE. SUBSCRIBE.

Compare only the payments for the vehicle. Insurance and vehicle tax are shown separately and never folded into the vehicle price.

01

YOUR FIGURES

Enter real figures from purchase, finance, lease or subscription offers.

BUYPurchase method
LEASE
At the end of the lease
SUBSCRIPTION
SEPARATE REQUIRED ROAD COSTS+
02

CLEAR PAYMENTS

Vehicle payments and road costs are kept strictly separate.

Nothing is counted twice: the top figures contain vehicle payments only. Insurance and tax are shown separately below.

BUY

One payment · no vehicle instalment

VEHICLE PAYMENT / MONTHCHF 0PAY NOWCHF 38’000TOTAL FOR THE VEHICLECHF 38’000
AT THE ENDYOU KEEP THE VEHICLE
Vehicle priceCHF 38’000
Monthly instalmentCHF 0
= TOTAL FOR THE VEHICLECHF 38’000
SEPARATE REQUIRED COSTSNot included in the vehicle payments above.
Insurance per monthCHF 54
+ Vehicle tax per month+ CHF 35
= Separate per monthCHF 89
Separate during comparison period (3 years)CHF 3’192

LEASE

Initial payment plus lease instalments

VEHICLE PAYMENT / MONTHCHF 520PAY NOWCHF 5’000LEASE PAYMENTSCHF 23’720
AT THE ENDYOU RETURN THE VEHICLE
Initial lease paymentCHF 5’000
+ Lease instalments (36 × CHF 520)+ CHF 18’720
= Payments during the lease termCHF 23’720
SEPARATE REQUIRED COSTSNot included in the vehicle payments above.
Full casco per monthCHF 104
+ Vehicle tax per month+ CHF 35
= Separate per monthCHF 139
Separate during comparison period (3 years)CHF 4’992

SUBSCRIBE

Start fee plus all-in rate

VEHICLE PAYMENT / MONTHCHF 798PAY NOWCHF 390SUBSCRIPTION PAYMENTSCHF 29’118
AT THE ENDYOU RETURN THE VEHICLE
Start / delivery feeCHF 390
+ Subscription payments (36 × CHF 798)+ CHF 28’728
= SUBSCRIPTION PAYMENTSCHF 29’118
SEPARATE REQUIRED COSTSInsurance and vehicle tax are not added again.
INCLUDED IN THE SUBSCRIPTION PRICE

Vehicle payment means only purchase price, loan payment, lease payment or subscription rate. Required road costs are displayed in their own box.

Excluded: servicing, tyres, fuel/electricity, parking, cleaning, damage, deductibles and excess kilometres.

Planning estimate only — not financial advice. Insurance and tax values are estimates; actual quotes and contract terms take precedence.
PLAN A JOURNEYWhat will this trip cost?Calculate fuel use and driving time →
FAQ

Buying, leasing and subscription questions

What the numbers mean and what happens when the term ends.

Is a car subscription cheaper than leasing or buying?

Not automatically. The comparison shows the payments made during your selected period. With a purchase you own the vehicle, while a leased or subscription car is normally returned.

What does residual value mean in a lease?

Residual value is the contractual estimate of the vehicle's value at the end of the term. It affects the lease payment and is shown separately. You can keep the car only when the contract or leasing provider explicitly offers that option.

Why are insurance and vehicle tax shown separately?

This keeps the vehicle payment separate from mandatory road costs. Comprehensive insurance may be required for leasing; actual premiums and taxes depend on the vehicle, driver, canton and provider.

What does the calculator show for a cash purchase?

A cash purchase has no monthly vehicle payment: the full purchase price is paid once. Ongoing insurance and vehicle tax remain visible separately.