Lease vs. Buy Calculator — Equipment, Vehicle & Property Decision

What is this? Leasing vs. buying isn't just a monthly payment comparison. You need to account for the purchase price, lease payments, residual value at the end, investment returns on the capital you'd use to buy, maintenance costs, and tax deductions. This calculator does the full analysis.

The key question: If you buy, what returns would you earn on the capital? If those returns beat the "cost" of leasing (lease payments minus the value of what you don't own), buying wins.

Who it's for: Business owners choosing between leasing or buying equipment, vehicles, or even office space.

Asset Details

Purchase Price ($)

Expected Resale Value After Term ($)

Analysis Period (years)

Your Expected Return (%)

Cost Comparison

Total Lease Cost

—

over ${document.getElementById('years').value} years

Total Buy Cost

—

net of resale value

Winner

—

Lease Monthly

—

Buy Monthly (avg)

—

Break-Even Resale

—

For educational purposes. Actual costs vary by tax situation, financing terms, and asset condition. Consult a financial advisor.