Assumptions shared by both
years
%/yr
%
$/mo
All cash flows are discounted monthly. Leave budget empty to skip the affordability check.
Buy financed purchase
$
$
% APR
years
$/yr
$
Buy cash flow = down + loan payment + maintenance − (interest + depreciation) × tax rate; residual is recovered at the end of the horizon.
Lease operating lease
$/mo
years
$
Lease payments are fully tax-deductible. A lease shorter than the analysis period is assumed to roll at the current rate to cover it.
Verdict after-tax present value
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Enter your numbers — the model compares the two scenarios instantly.
Comparison buy vs lease
| Metric | Buy | Lease |
|---|
Cumulative present-value cost over the analysis period
Buy PV
Lease PV
Waiting for valid inputs.
Buy breakdown financed purchase
Lease breakdown operating lease
Notes model assumptions
MODELAll flows discounted monthly; the lower after-tax present value wins.