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.
Illustrative planning only. Default inputs are example assumptions, not market rates, fees, coverage or tenors from any lender or country source. Results are not credit approval, pre-approval, a financing offer, underwriting, a recommendation or a commitment. Excludes fees, taxes, insurance premiums, FX and lender-specific terms. The formula and assumptions are explained below the tool.
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.
Global B2B Group does not rank lenders. All figures shown are indicative and subject to lender approval and project-specific due diligence.
