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Lease-vs-buy calculator
LEASE-VS-BUY CALCULATOR
Lease or buy?
Run the numbers.
Compare month-one cash, monthly cost and the true cost in today's money for leasing, a term loan and buying outright.
CASH KEPT IN THE BUSINESS IN MONTH ONE, VS BUYING
₹97.97L
Leasing also costs ₹8.85L less than buying in today's money, at your 12% cost of capital.
Lease
Term loan
Buy
Month-one cash out
₹2.03L
₹21.70L
₹1.00 Cr
Monthly outflow
₹2.03L
₹1.70L
—
Total cash out, 60 months
₹1.22 Cr
₹1.22 Cr
₹1.00 Cr
Cost in today's money
₹0.91 Cr
₹0.96 Cr
₹1.00 Cr
COST IN TODAY'S MONEY
Lease
₹0.91 Cr
Term loan
₹0.96 Cr
Buy
₹1.00 Cr
Illustrative and pre-tax. Excludes GST, tax effects and resale value. Your actual rental is confirmed after credit assessment.
HOW IT WORKS
What the calculator compares.
Three numbers that matter to a finance team, calculated the same way for each option.
Month-one cash out
The first rental for a lease, the margin money plus first EMI for a loan, and the full price if you buy.
Monthly outflow
The fixed rental or EMI you pay every month over the tenure.
Cost in today's money
Every future payment discounted at your cost of capital, so cash paid later counts for less than cash paid now.
What it leaves out
Tax, GST, resale value and fees. Our team includes these in a full proposal for your asset.
Keep reading
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