Equipment: buy or lease

Compare buying equipment or a vehicle with your own funds against leasing: return or buyout, upfront and annual costs.

Use the quoted lease payment: interest is already included. Both options use the same term. Discounting uses your annual opportunity-cost rate; 0 disables it. Include excess mileage and wear charges when returning.

Purchase and lease

Purchase price

Monthly lease payment

Asset value at the end of the term

Years

Discount rate (%)

Down payment

Contract fee

End mode

Return charges

Optional costs (insurance, maintenance, taxes, fees)

Purchase registration, delivery and one-off taxes

Purchase annual insurance

Purchase annual maintenance

Purchase annual taxes

Purchase other annual costs

Lease one-time registration or tax

Lease annual insurance

Lease annual maintenance

Lease annual taxes

Lease other annual costs

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What the figures mean

Valuing future money today

A future amount is reduced using the chosen required return to compare it with money today. This is discounting, not a shop discount or solely an inflation adjustment.

Simple example: €110 in one year at a 10% rate corresponds to €100 today.

How we calculate