Cash flow / Free financial tools

Lease vs Buy Calculator

Compare present-value costs over the same horizon using your financing and tax assumptions.

USD • Planning model · Instant results · No sign-up

Enable JavaScript to use this interactive calculator. The calculation method and assumptions are explained below.

How this calculator works

Each option adds initial net cost to the present value of annual net outflows. A positive buy-minus-lease difference favors leasing under the entered assumptions.

Planning estimate only. Review the assumptions alongside the result before using it for a tax, financing or business decision.

Common questions

Where do tax savings go?

Subtract verified tax savings from the appropriate annual outflow. This model does not determine deductible amounts or tax eligibility.

How do I avoid double-counting a financed purchase?

Model cash down payment and net debt payments, or model the full cash purchase. Do not include both the full asset price and loan principal payments.

Put your numbers into context.

A calculator can help you ask better questions. Tell ZTax what you are planning and we will discuss the records, scope and support you need.

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