When to use it, what to enter in each field, and mistakes that skew the result. Free in your browser.
Two lease offers can look identical and cost different totals. Run both with the same utilization and tax assumptions.
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 NPV of leasing versus purchasing business equipment with the lease vs buy equipment calculator.
Worked example (illustrative)
A $80,000 machine: lease $1,450/month for 48 months with $5,000 buyout versus buy with 20% down at 8% APR. Lease preserves cash but total outlay may exceed purchase after tax deductions on interest and depreciation. Run both paths in the equipment lease vs buy calculator with your tax assumptions—not accounting advice.
Common search questions
Equipment leasing calculator — monthly lease vs loan payment.
Lease vs buy equipment — NPV with tax and residual assumptions.
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.