// multi-utility computation suite · offline · instant · precise
┌──────────────────────────┐
│ [c] calcalyst_ │
│ computation suite │
└──────────────────────────┘
// select a module to initialize
/ search↵ open firstesc close
// adsenseEMPTY_LEADER_SLOT728×90
// adsenseMOBILE_ANCHOR_SLOT320×50
// keyboard_shortcuts
/focus search
↑↓navigate module list
Enter
open first result from search
open highlighted
compute when module is open
compute when focused in a field
Escclose module · clear selection
⌫
finance.business-lease-vs-buy Calculator
Compares the total cost of leasing vs. buying in a business finance context from cash flows, opportunity cost, and residual values. Lease vs. buy decisions depend on tax treatment, opportunity cost of capital, and residual value uncertainty — the NPV comparison reveals the economically superior choice.
Inputs
Purchase Price
Total price to acquire the asset. For real estate, may differ from appraised value.
Down Pmt
Cash paid upfront, reducing the amount you borrow. Putting down 20%+ typically eliminates private mortgage insurance (PMI).
Loan Rate
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Lease Monthly
Reference formula or conversion factor shown for context.
Years
Reference formula or conversion factor shown for context.
Results
buy total cost
The combined total across all inputs and components.
lease total cost
The combined total across all inputs and components.
difference
The arithmetic difference between the two values.
monthly buy payment
Sample size or count used in the calculation.
monthly equiv
Sample size or count used in the calculation.
daily equiv
Reference formula or conversion factor shown for context.