Lease vs Buy Calculator Modello Essentials
Compare leasing versus buying a vehicle or equipment. Factor in depreciation, residual value, and total cost of ownership over time.
Cosa include
- Dashboard with lease vs. buy comparison showing total cost of leasing, total cost of buying, and net difference
- Calculator with lease inputs (monthly payment, term, fees) and purchase inputs (price, rate, down payment)
- Monthly cost comparison table showing cumulative lease payments vs. cumulative loan payments over time
- Total cost over ownership period including depreciation, interest, and residual value in the buy scenario
- Residual value and equity considerations with color-coded input cells for organized lease vs. buy analysis
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Need more from this template?
The Essentials version covers everyday tracking. Ultimate goes further with multi-entity support, scenario analysis, and ultimate-grade reporting.
- Dashboard with lease vs. buy comparison showing total cost of leasing, total cost of buying, and net difference
- Calculator with lease inputs (monthly payment, term, fees) and purchase inputs (price, rate, down payment)
- Monthly cost comparison table showing cumulative lease payments vs. cumulative loan payments over time
- Total cost over ownership period including depreciation, interest, and residual value in the buy scenario
- Fogli di input separati per l'acquisto (prezzo, anticipo, tasso, durata, valore residuo) e il leasing (costo capitalizzato, money factor, valore residuo, durata, costi accessori)
- Dashboard con 6 schede KPI: costo acquisto a 5 anni, costo leasing a 5 anni, vantaggio netto, confronto rate mensili, anticipo richiesto e anno di pareggio
- Tabella di confronto a 5 anni che mostra i costi cumulativi per acquisto vs leasing anno per anno con differenza netta per ogni anno
- Confronto scenari con 3 preimpostazioni - Basso Chilometraggio, Uso Medio e Alto Chilometraggio - che mostrano come l'utilizzo influenza il costo totale di ciascuna opzione
- Analisi del punto di pareggio che identifica quando l'acquisto diventa meno costoso del leasing su base di costo cumulativo
Anteprima
Scopri cosa contiene questo modello
Come usare questo modello Lease vs Buy Calculator
Enter lease details
Input the monthly lease payment, lease term, down payment, fees, and any end-of-lease charges.
Enter purchase details
Add the vehicle or equipment price, down payment, loan rate, term, and expected resale or residual value.
Set the comparison period
Enter the total ownership period for the comparison. The calculator factors in depreciation and equity for the buy option.
Compare the results
The dashboard shows total cost of leasing vs buying, including the value of any equity retained in the buy scenario.
Creati da Claude AI. Perfezionati da noi.
Utilizziamo Claude AI per creare ogni modello, dopo una ricerca approfondita. Poi interviene il nostro team. Miglioriamo il layout, testiamo ogni formula, correggiamo i casi limite e rifiniamo il design fino a ottenere qualcosa che useremmo noi stessi. L'AI ci porta all'80%. L'ultimo 20% è tutto giudizio umano.
Domande frequenti
Does the buy option account for resale value?
Yes. Enter the expected resale or residual value. The calculator subtracts this from the total buy cost since you retain that equity.
What about maintenance differences?
Leases often include warranty coverage for the full term. If maintenance costs differ, add them as separate line items in each scenario.
Which is typically cheaper?
It depends on the specific terms, how long you keep the vehicle or equipment, and the residual value. The calculator shows the exact cost difference for your inputs.
Does it handle equipment leases?
Yes. The template works for vehicles, equipment, or any asset. Enter the relevant lease and purchase terms for whatever you are comparing.
Come posso aprirlo in Google Sheets?
Carica il file .xlsx su Google Drive, poi aprilo con Google Sheets. Tutte le formule e la formattazione saranno conservate.
Altri modelli Essentials Auto & Loans
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