Lease purchase calculator
Friday 12th September 2025
Last updated: 20th October 2025
Use our lease purchase calculator helps you compare the total cost of leasing equipment versus purchasing it outright.
Simply enter your lease terms, purchase price, interest rate, and equipment life, and the tool will show you which option makes the most financial sense over time.
Are you having troubles with your business cash flow?
With Novuna, we can help can help your cash flow within 24 hours. Find out more or call us on the freephone number below to speak to one of our cashflow finance experts.
How to calculate lease vs purchase cost
Our calculator breaks down both options based on your inputs:
Lease scenario
- Monthly lease payments
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Lease term length
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Any final balloon payment
Purchase scenario
- Upfront purchase cost
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Interest (if financed)
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Equipment lifespan and resale value
The tool then compares:
- Total cost of leasing
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Total cost of buying
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Which option costs less over the full term
Example:
- Lease: £300/month for 3 years, no final payment = £10,800
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Purchase: £10,000 upfront + £500 interest = £10,500
In this case, buying may save you £300 overall — but leasing spreads the cost.
How can this calculator help your business?
This isn’t just about numbers, it’s about making smarter financial decisions. Here are three key benefits:
Improved cash flow control
Leasing spreads the cost over time, which can help preserve cash for marketing, staffing, or stock especially during growth periods.
Strategic flexibility
Buying may offer long-term savings and asset ownership, but leasing can give you access to newer equipment more frequently. This tool helps you model both approaches and decide what fits your plans.
Confidence in decision-making
Use real numbers to test different scenarios with higher deposits, shorter terms, or interest changes and feel confident you’re choosing the best financing option for your business.