Lease vs cash purchase comparison

Compare the present value of a finance lease (including residual/balloon) against outright cash purchase over a chosen term.

General information only. This calculator provides general information based on the figures you enter. It is not personal financial, credit, tax or legal advice and does not consider your objectives, financial situation or needs. By using this calculator you acknowledge the results are general in nature. Read our editorial guidelines.

Your details

Cash purchase price

Monthly lease payment

Lease term (months)

Residual / balloon at end

Discount rate (% p.a.)

Results

Lease total present value: $81,550
Present value of lease payments: $62,640
Present value of residual: $18,910
Lease more expensive than cash by: $1,550

Estimates only and general in nature. Not personal financial, credit, tax or legal advice. Confirm figures with your lender, accountant or the relevant state revenue office before making a decision. See our Disclaimer, Conflicts of Interest and How we get paid.