Buy vs Lease Calculator — Contractors

Compare after-tax, after-cash-flow cost to decide whether to buy or lease your next piece of equipment.

Inputs

Equipment Cost ($) Analysis Horizon (years) Company Tax Rate (%) Discount Rate (%) Down Payment (%) Loan APR (%) Loan Term (years) Annual Maintenance ($) Expected Residual Value ($) Take immediate expensing (Section 179 / bonus) Monthly Lease Payment ($) Lease Term (years) Upfront Fees ($) Included Maintenance (%)

This tool provides a simplified comparison. Consult your CPA for personalized advice.

Results

NPV Cost — Buy

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NPV Cost — Lease

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Year‑1 After‑Tax Cash Out

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Breakeven Difference

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Enter details and click Calculate.