Know if a lease, payment plan or buying outright costs less
It shows when the lease only wins if you upgrade often, and flags fine print like missed-payment rules and no insurance.
A sketch of what you'll get back.
Your prompt
Fill in your details. Skip any you like.
ChatGPT and Claude open with your prompt already typed in. Gemini can't be filled in from a link, so its button copies your prompt: paste it into the new chat.
The prompt that gets copied
I'm deciding how to pay for a [ITEM TO BUY, e.g. new phone]. Options: [FIRST OPTION, e.g. lease at $31.99 a month]; [SECOND OPTION, e.g. carrier plan, $36 for 36 months]; [THIRD OPTION, e.g. buy outright for $1,099]. Fine print I found: [FINE PRINT, e.g. no insurance included, early exit fee]. I usually keep this kind of thing for [HOW LONG YOU KEEP IT, e.g. 3 years]. Work out the total cost of each option over 1, 2 and 3 years, including fees, insurance or protection plans and any trade-in or resale value. Show it as a table and tell me which wins for how long I really keep it. List the fine-print traps to watch, like missed-payment rules. Show your math and mark anything you're assuming.
Paste the prices for a phone, laptop or appliance on a lease, a monthly plan and buying outright, and see the true total for how long you'll really keep it, fine print included.
Step by step
- Gather the upfront and monthly prices for each option.
- Copy the key fine print, like fees, insurance and early exit terms.
- Paste everything into ChatGPT, Claude or Gemini with the prompt.
- Pick the option that wins for how long you'll actually keep it.
What you'll get
A 1, 2 and 3-year cost table for each option, the winner for your habits and the fine-print traps to watch.
Not financial advice. Double-check the math and current prices.
- Made for
- Everyone
- Works in
- ChatGPT, Claude, Gemini
