Richcars / Monthly Rental / Rent vs Buy
Supercar rental vs ownership, with every hidden cost calculated in full — adjust the vehicle price, rental and duration for the car you have in mind
Written by the Richcars team — luxury car and supercar rental in Thailand for over 10 years, with a fleet of 200+ vehicles
Cash purchase — 9.66 months · 1–9 months: renting wins · 10–48 months: buying with cash wins
Finance 4 years — 11.13 months · 1–11 months: renting wins · 12–48 months: financing wins
Renting 12 months = ฿9,588,000 · ownership over 12 months: cash ฿8,222,500 · finance ฿9,068,713
The single biggest cost is ฿6,602,500 — value falls 10%/yr, then a dealer discount of 27.5% leaves resale proceeds of ฿12,397,500 on a purchase price of ฿19,000,000
Set how many months you need the car and the calculator instantly shows whether renting or buying wins.
Vehicle price and rental are examples. Adjust them for any car.
Preparing calculator. Example results are shown.
Opportunity cost is the return the money could earn elsewhere, at the assumed rate you choose.
The original example allows for tyres every 50,000 km and servicing every 10,000 km, five times a year. Adjust the annual costs for your usage.
At 12 months buying saves ฿1,365,500
For 12 months: rent ฿9,588,000 · cash ฿8,222,500 · finance ฿9,068,713
Ownership includes the opportunity cost and contingency assumptions. Rental is the monthly rate × months.
Comparison at 12 months
After 12 months the market value falls 10%/yr to ฿17,100,000; a further dealer discount of 27.5% leaves resale proceeds of ฿12,397,500 — a loss of ฿6,602,500 The longer you hold it, the more it depreciates. The dealer discount applies once on sale, so its monthly average falls with a longer holding period.
Interest is adjustable from 2–5%/yr — at 4.0%/yr, interest + VAT is ฿2,276,960 and the instalment is ฿324,520/month
The outstanding balance must be settled with the finance company first. This example applies a 50% rebate on remaining interest. Settlement in month 12 gives a rebate of ฿747,128 and leaves interest including VAT of ฿1,245,213 out of ฿1,992,340; check the actual settlement terms with the finance company.
Money locked into a car is money not earning a return elsewhere — a real cost that never appears on any invoice.
The rates below are illustrative assumptions from the source, not current or guaranteed returns.
No ฿19,000,000 purchase outlay or ฿5,700,000 down payment (check the rental offer for any deposit).
The calculator does not subtract tax benefits.
Cumulative rental against the ownership cost of both purchase methods (depreciation 10%/yr · dealer discount 27.5%)
Break-even is approximate. Choose a month range to compare the figures. Green = renting wins · red = buying wins.
| Months | Total rental | Cash | Finance |
|---|---|---|---|
| 1 | 799,000 | 5,801,249Rent wins | 6,784,923Rent wins |
| 2 | 1,598,000 | 6,026,445Rent wins | 6,997,623Rent wins |
| 3 | 2,397,000 | 6,250,598Rent wins | 7,209,279Rent wins |
| 4 | 3,196,000 | 6,473,717Rent wins | 7,419,901Rent wins |
| 5 | 3,995,000 | 6,695,810Rent wins | 7,629,498Rent wins |
| 6 | 4,794,000 | 6,916,888Rent wins | 7,838,079Rent wins |
| 7 | 5,593,000 | 7,136,957Rent wins | 8,045,652Rent wins |
| 8 | 6,392,000 | 7,356,028Rent wins | 8,252,227Rent wins |
| 9 | 7,191,000 | 7,574,110Rent wins | 8,457,811Rent wins |
| 10 | 7,990,000 | 7,791,210Buy wins | 8,662,415Rent wins |
| 11 | 8,789,000 | 8,007,337Buy wins | 8,866,046Rent wins |
| 12 | 9,588,000 | 8,222,500Buy wins | 9,068,713Buy wins |
Loss on value (at 12 months) ฿6,602,500
Other running costs ฿105,833/month (insurance, tyres, servicing and opportunity cost)
Parts reserve ฿350,000 is included once in full for the holding period, not added again every month.
1–9 months: renting wins · 10–48 months: buying with cash wins
Loss on value (at 12 months) ฿6,602,500
Plus interest actually borne ฿1,245,213 (settled in month 12)
Instalment ฿318,590/month × 48 payments
1–11 months: renting wins · 12–48 months: financing wins
Both methods lose the same on value (฿6,602,500 when sold after 12 months), but financing adds interest of ฿1,245,213 while the opportunity cost of the down payment is ฿171,000 versus ฿570,000 for a cash purchase. Total costs are ฿8,222,500 for cash and ฿9,068,713 for finance; break-even is 9.66 and 11.13 months respectively
| How long you need it | Verdict |
|---|---|
| 1–3 monthsTrips, events, temporary use | Renting beats both purchase methods |
| 4–9 monthsCompare each purchase method | Renting beats both purchase methods |
| 10–11 monthsCompare each purchase method | cash beats renting · Renting beats finance |
| 12–48 monthsCompare each purchase method | Both purchase methods beat renting |
Renting 12 months = ฿799,000 × 12 = ฿9,588,000
At 12 months: Buying wins — resale proceeds are ฿12,397,500 on a purchase price of ฿19,000,000 before other ownership costs are included
Your capital has an opportunity cost — ฿19,000,000 at an assumed return of 3% would earn ฿570,000 per year, equal to 0.71 months
Tell us the model and how long you need it — our team will run the comparison free of charge.
Every figure is disclosed so you can verify it and adapt it to your own situation.
Vehicle price ฿19,000,000 (adjustable in the calculator)
Dealer trade-in discount 27.5% (adjustable 20–30%)
Annual running costs ฿700,000 (insurance + tyres + servicing)
Parts contingency ฿350,000 (adjustable ฿100,000–500,000)
Opportunity cost of capital 3%/yr · market depreciation 10%/yr
Finance interest 3.5%/yr flat rate + 7% VAT · term 4 years (adjustable 1–6 years)
Market depreciation 10%/yr — compounded, then a dealer discount of 27.5% is applied to that market value
Assumed investment return 3%/yr — adjust it to see how break-even changes. This is an assumption, not a guaranteed return.
Parts contingency — counted once per ownership period.
Adjust the figures in the calculator above, and confirm with our team before making a final decision.
Lamborghini Urus Capsule, used market price ฿18.5–19.9 million (Facebook Marketplace, 6 September 2026) — ฿19 million used as the calculation base
Last updated 11 September 2026 · Market prices sourced from Facebook Marketplace, 6 September 2026
This explains the original example. Once you change the vehicle price, every result uses your input; this is not a current market-price confirmation for that model.
Put your capital to work elsewhere and let us absorb the depreciation.