Equipment Lease vs Buy Calculator
Make data-driven decisions on whether to lease or purchase business equipment.
Expected value after lease term
Often included in lease
Cost of capital for NPV calculation
Recommendation
Lease the Equipment
Potential savings of $21,673.375 in present value
Buy Option
$63,422.346
Net present value
Lease Option
$41,748.971
Net present value
| Year | Buy Payment | Buy Tax Savings | Buy Net Cost | Lease Payment | Lease Tax Savings | Lease Net Cost |
|---|---|---|---|---|---|---|
| 1 | $20,783.502 | $5,371.429 | $15,412.074 | $21,600 | $5,400 | $16,200 |
| 2 | $20,783.502 | $5,150.697 | $15,632.806 | $21,600 | $5,400 | $16,200 |
| 3 | $20,783.502 | $4,915.617 | $15,867.885 | $21,600 | $5,400 | $16,200 |
| 4 | $20,783.502 | $4,665.258 | $16,118.245 | $0 | $0 | $0 |
| 5 | $20,783.502 | $4,398.624 | $16,384.878 | $0 | $0 | $0 |
Break-even Points
Decision Factors
Decision Insights
- • Leasing saves $21,673.375 in present value terms
- • Equipment depreciates $14,285.714 annually, saving $3,571.429 in taxes
- • Lease payments are 21.6% of equipment cost annually
Your AI Phone Answering Service
Sarah is an AI receptionist that answers your business calls 24/7 with a natural, human-like voice. She handles customer inquiries, takes messages, and filters out spam calls so you can focus on growing your business.
24/7 Call Answering
Sarah answers every call professionally, even when you're busy, after hours, or on vacation.
Never Miss a Lead
Sarah captures detailed caller information and takes perfect messages, ensuring no business opportunity is lost.
Smart Spam Filtering
Sarah identifies and politely handles spam calls, robocalls, and telemarketers without interrupting your work.
Sarah in Action
How Sarah handles your calls
Zero interruptions to your important work
Smart Equipment Decisions Need Smart Communication
You've made the right financing decision for your equipment. Now ensure smooth operations with professional communication that keeps your business running efficiently.
Equipment Support Coordination
Sarah handles maintenance calls, warranty claims, and vendor communications to minimize equipment downtime.
Lease & Finance Management
Never miss important calls from leasing companies or lenders about payments, terms, or renewal options.
Maximize Equipment ROI
Focus on using your equipment productively while Sarah handles all communication needs professionally.
“Sarah helped us coordinate a warranty repair that saved us $8,000 and three days of downtime by immediately connecting us to the right technician.”
— Tom Rivera, Manufacturing Manager
Equipment Operations
This month's performance
$21,673.375
Saved with leaseing
Communication Impact
Vendor Calls
Handled efficiently
18
this month
Equipment Uptime
Maintained high
98.5%
efficiency
Optimize Your Equipment Operations
You've made smart financing decisions. Now ensure smooth operations with professional communication that maximizes your equipment ROI.
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