Should you lease or buy? Conventional wisdom says if you lease you'll have nothing to show for your money when the term is up. But that ignores the opportunity cost inherent in buying: after all, the money you pay up front for the car could be bringing a healthy return as part of your investment portfolio. Our worksheet will determine whether leasing or buying is the better overall investment strategy. Bear in mind that the calculation assumes you would buy the car outright rather than finance it.