When to use it, what to enter in each field, and mistakes that skew the result. Free in your browser.
Lease versus buy trades cash today for flexibility later. The winner shifts with utilization, tax, and resale.
Free equipment lease vs buy calculator from Fynvorax.
Practical tip Start with round numbers from your bank or contract. You can refine decimals after the first pass.
What to enter
Have these handy before you start. Names vary by tool, but the ideas are the same.
Revenue, margin, or cash flow inputs
Growth and discount assumptions (valuation tools)
Contract terms (leases, equipment)
Tax or entity settings at a high level
Quick workflow
Enter baseline revenue and costs.
Adjust growth or discount rates.
Compare side-by-side scenarios before a decision.
Free calculator Compare end-of-lease buyout price to market value and optional financing in the equipment lease buyout calculator.
Worked example (illustrative)
Buyout quote $28,000 vs used market $32,000—$4,000 potential equity before fees. Financing the buyout at 9% over 36 months adds interest; returning the asset avoids capital outlay but loses the spread. Model quote, tax, and APR in the equipment lease buyout calculator.
Common search questions
Equipment lease buyout — residual vs fair market value.
Equipment financing calculator — add loan cost to buyout decision.
When to use it
Open the tool when you already have a quote, a deadline, or a what-if and need a clear number for business.
Situations people use it for
Unit economics (LTV/CAC) before scaling ad spend
Valuation or ROI on equipment and leases
Corporate structure or benefit tradeoffs at a high level
How to read the result
Treat the output as a structured estimate. Small input changes should move the result in a direction that makes sense.
Run a conservative case first. If it still works, you have margin.
Change one field at a time so you know what actually moved the number.
Save the scenario with a name you will recognize later ("2027 refi", "15-year plan").
This model assumes: Free equipment lease vs buy calculator from Fynvorax.
Common slip-ups
Using revenue multiples without margin or churn context
Capitalizing opex that should be expensed in a quick model
Try it with your numbers
Open the Equipment Lease vs Buy calculator, enter your case, and keep a screenshot or PDF if you will revisit the decision. Everything runs in your browser; your inputs are not sent to our servers for the math.