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Equipment Lease vs. Buy
Present-value comparison of leasing against financing a purchase.
Your numbers
$
$
%
$
%
Buying costs less
$681
Loan payment$1.7K
Present value of buying$74.3K
Present value of leasing$75K
- Loan payment
- $1,723.49
- Present value of buying
- $74,321
- Present value of leasing
- $75,002
This ignores tax effects such as Section 179, bonus depreciation and lease deductibility. Those often flip the answer, so ask us to model them before you sign.
In plain English
Equipment Lease vs. Buy explained simply
You need a machine or a truck. Do you rent it or own it? This compares the total cost of each path.
For example
Leasing keeps monthly costs low. Buying costs more up front but you own something worth money at the end.
Words on this page
Want a second set of eyes on these numbers?
These calculators are estimates for planning purposes and don't account for every detail of your situation. Bring your results to us and we'll pressure-test them against your actual tax picture.
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