Just as the value of a difference in the up-front costs of a lease and a purchase should be included in the buy-versus-lease comparison, so, too, should the value of any difference in monthly payments. The methodology is similar to that used for a difference in up-front costs; the amount of the savings will be different each month and should include amounts gained from the reinvestment of any interest earnings on investments and interest savings resulting from debt repayments. Thus, a table would have to be developed that shows how the monthly payment savings, and the earnings from those savings, accumulate. Example