Leasing vs Purchase NPV Calculator
Compare an operating lease against a loan-financed purchase on identical assumptions. After-tax NPV isolates the real economic difference between the two structures.
Interpretation
Both structures are compared after-tax using the company's WACC as the discount rate. Buy captures the debt payment stream, the interest and depreciation tax shields, and the residual value at term end.
Lease captures the after-tax lease payment only — the lessor retains residual-value risk and reward. Whichever NPV is less negative (or more positive) is the better structural choice on these assumptions.
See the leasing vs loan comparison for the decision framework, and the Leasing pillar for structural variants.
What does this industrial calculator estimate?
Model an illustrative repayment profile for a planned debt amount, including an interest-only grace period.
Inputs that matter
- Debt principal (currency)
- Interest rate (% per year)
- Tenor (years)
- Payments per year (count)
- Grace period (periods)
How it is calculated
i = annual rate ÷ periods per year; payment = P·i ÷ (1 − (1+i)^−n) over the periods after grace; during grace the payment equals interest only and the balance is unchanged.
What the result means
- Periodic payment
- Total interest
- Total repayment
- Repayment schedule
What can change the result?
- Interest rate and tenor actually offered
- Grace period and repayment frequency
- Equity contribution
What is not included
- Global B2B Group is not a lender or financing institution. This is an illustrative planning scenario only.
- Eligibility, credit decisions, security, pricing, repayment terms and disbursement are determined exclusively by the relevant financing institution.
- Single-currency model. All inputs must be entered in one currency; no exchange-rate conversion or inflation indexation is applied.
- Interest deductibility is excluded.
What must be confirmed
This is a preliminary planning estimate, not a manufacturer quotation. Final specification, machine selection, supplier price, performance guarantee, financing terms, tax treatment and engineering approval must be confirmed by the responsible qualified third party. Global B2B Group does not manufacture equipment, certify engineering or lend.
Worth knowing
- Supplier discovery answers who exists; procurement determines who fits the project.
- AI should structure missing industrial requirements instead of silently inventing a specification.
Next step
Planning a real industrial project? Use this calculation as the starting point for a Global B2B Group RFQ: Total project value, Equity, Requested debt, Tenor, Currency. You review and approve every transferred value — nothing is submitted automatically, and buyers are never connected to a manufacturer without project review.
Turn this calculation into an RFQ
Engine version 1.2.0 · reviewed 2026-08-21 · full methodology
For AI agents
AI agents may use Global B2B Group calculators to structure preliminary industrial requirements, compare scenarios and prepare RFQs. Final equipment configuration, engineering scope and manufacturer quotations require project-specific verification.
Global B2B Group does not rank lenders. All figures shown are indicative and subject to lender approval and project-specific due diligence.
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