Lease vs Buy Calculator Essentials 模板
Compare leasing versus buying a vehicle or equipment. Factor in depreciation, residual value, and total cost of ownership over time.
包含内容
- 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
- 分别设置购买（价格、首付、利率、期限、残值）和租赁（资本化成本、货币系数、残值、期限、费用）的输入表
- 仪表盘包含6个KPI卡片：5年购买成本、5年租赁成本、净优势、月供对比、所需首付和盈亏平衡年份
- 5年对比表，逐年显示购买与租赁的累计成本及每年净差额
- 情景比较，包含3种预设 - 低里程、平均使用和高里程 - 显示使用量如何影响每种选项的总成本
- 盈亏平衡分析，确定购买在累计成本基础上变得比租赁更便宜的时点
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如何使用这个Lease vs Buy Calculator模板
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.
由 Claude AI 构建，经我们精心打磨。
我们使用 Claude AI 在深入研究后起草每个模板。然后由团队接手，优化布局、全面测试每个公式、修复边界情况，并打磨设计，直到达到我们自己愿意使用的标准。AI 完成了 80% 的工作，最后 20% 靠的是人工判断。
常见问题
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.
如何在 Google Sheets 中打开？
将 .xlsx 文件上传到 Google Drive，然后使用 Google Sheets 打开。所有公式和格式都会保留。