Lease vs Buy Comparison Calculator

Compare the estimated cash cost of financing and owning an asset against leasing it over the same period.

Buy (finance) option
$80,000 asset · $8,000 deposit
$
$
% p.a.
years
$
Since you own the asset when buying, this value offsets your total cost.
Lease option
$1,900/mo · 4 yrs
$
years
The asset is returned to the lessor at the end of the lease — no resale value applies.
Total cost to buy
$0
Total cost to lease
$0
Monthly finance repayment (buy)$0
Monthly lease payment$0
Estimated resale value retained (buy only)$0
Tax treatment differs between buying and leasing — interest and depreciation are typically claimed when you own an asset, while lease payments may be deductible as an operating expense. This comparison covers cash cost only, not tax outcomes, and doesn't account for maintenance or insurance differences some leases include. Speak with your accountant about which structure suits your business.
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Important information: This calculator provides estimates only and does not constitute financial, credit, or tax advice. It compares the cash cost of financing and owning an asset against leasing it, based on the figures you enter, and does not account for tax deductibility, GST treatment, maintenance, insurance, or other costs that may differ between the two options and your individual circumstances. The estimated resale value is a figure you provide and is not a valuation — actual resale value will depend on market conditions, asset condition, and usage at the time. Speak with us, and with your accountant, for an assessment based on your actual circumstances.