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fin.lease-vs-buy-NPV Calculator
Calculates and compares the NPV of leasing vs. buying an asset from cash flows, residual values, and cost of capital. Leasing is preferred when the after-tax lease cost is lower than the after-tax cost of purchase financing — the crossover depends on tax rates and residual value assumptions.
Inputs
Asset Cost
Reference formula or conversion factor shown for context.
Lease Monthly
Reference formula or conversion factor shown for context.
Lease Term Months
Reference formula or conversion factor shown for context.
Residual Value
Reference formula or conversion factor shown for context.
Discount Rate Pct
Rate used to bring future cash flows back to today's value. Higher rates make future money worth less — used in NPV, bond pricing, and valuation.
Results
PV of lease payments ($)
Sample size or count used in the calculation.
PV of purchase cost ($)
The total monetary cost computed for the given inputs.
financial advantage of buying ($)
Sample size or count used in the calculation.
recommendation
Suggested action or value based on the computed results and applicable best-practice guidelines.
lease PV = L × (1-(1+r)^-n)/r
Sample size or count used in the calculation.
factors not captured
A dimensionless multiplier applied in the calculation.