Equipment Lease vs Buy Calculator
Use a transparent operating model to compare the present cost of leasing equipment with buying and reselling it.
Verify this calculatorMaintained
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
Present-value costs discount payments and future resale proceeds at the chosen decision rate. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Maintained
- Source review
- September 12, 2026
Optional readingLearn how this calculator works
How the equipment lease vs buy calculator works
Compare the present cost of leasing equipment with buying and reselling it.
Present-value costs discount payments and future resale proceeds at the chosen decision rate.
Read our calculation methodology and limitations.
Example
Replace the example values with figures from the same accounting period, contract, cohort, or decision scenario.
What affects the result
- Tax treatment is not modeled.
- Lease residual obligations need review.
- Discount rate should reflect the business decision.
Frequently asked questions
What records should I use?
Use current financial statements, contracts, invoices, payroll reports, or cohort data from one consistent period.
Is this accounting, tax, or legal advice?
No. It is an operating estimate based only on your entries; material decisions should be reviewed by the appropriate professional.