Finance

Equipment Lease vs Buy Calculator

Compare the total modeled cash cost of leasing equipment with financing a purchase using editable terms, residual value and fees.

✓ No signup✓ Mobile friendly✓ Clear limitations✓ Browser-first where practical
Recent tools are remembered only on this device.
Planning estimate only. This is a pre-tax cash-cost comparison. Taxes, depreciation, maintenance, residual uncertainty and accounting treatment can materially change the decision.
Purchase monthly payment$4,508.54
Purchase cash paid$295,512.31
Purchase net cost after residual$220,512.31
Lease total cash cost$293,000.00
Modeled cost difference$72,487.69Positive means lease costs more in this model.

Why use this equipment lease vs buy calculator?

Compare the total modeled cash cost of leasing equipment with financing a purchase using editable terms, residual value and fees. It is designed as a focused browser utility so you can test a scenario or transform data without creating an account.

Example

Enter one realistic base-case scenario into Equipment Lease vs Buy Calculator, then change the most uncertain assumption to see how the result moves before using it in a business decision.

Important note

This calculator is a planning model based only on the inputs shown. It does not replace current provider pricing, accounting policy, lender underwriting, tax advice or other professional review where applicable.

How to use it

Start with the inputs shown above, review the assumptions or options, then generate the result. Where the tool creates a file, keep the original until you have opened and checked the downloaded output.

Frequently asked questions

Is Equipment Lease vs Buy Calculator free?

Yes. The core tool is free to use without creating an account.

Do I need an account to use Equipment Lease vs Buy Calculator?

No. You can use the core Toolbox workflow without signing up.

Does Equipment Lease vs Buy Calculator work on mobile?

Yes. Toolbox is designed for modern mobile and desktop browsers, although complex file workflows can be easier on a larger screen.