Buy Vs Lease Calculator Excel

Buy Vs Lease Calculator is an Excel template to help you in determining to buy or lease the stuff you want to purchase. The stuff is mainly vehicle, but you can use it on anything such as house, property, electronics, or furniture. This calculator template works by comparing cost for both buy and lease.

CALCULATOR MENU

Buy vs lease calculator template only have one sheet. However, in that one sheet, there are several elements or headings:

Model

There is only one field, Make and Model. The Make is the manufacturer name, while model is the type of the stuff. You can input the product ID along with this field.

lease or buy decision example
lease or buy decision example

Lease

The element where you enter the information for leasing. The fields are:

  • Retail Price
  • Tax: from purchasing
  • Refundable security deposit: money a landlord takes from sales other than the advance payment for leasing, which will be refunded based on transaction.
  • First Month Payment amount
  • Capital Cost Reduction Payment: upfront payment that reduces the cost of financing.
  • Last month payment in advance: drop down menu. Select if you have already paid.
  • Selling price at end of lease
  • Monthly lease payment
  • Lease term in years
  • Discount for present value
leasing vs buying a car pros and cons
leasing vs buying a car pros and cons

On the below table will automatically calculate the result from information in leasing:

  • Future value of last payment
  • Initial Cost
  • Financing Costs
  • Present value of refund
  • Present value of total costs

Buy

The element where you enter the information for buying. The fields are:

  • Retail Price
  • Tax
  • Down Payment paid for purchasing.
  • Resale value: same with Selling price at end of lease
  • Loan Rate
  • Term in years: auto-generated based on lease table
buy or lease calculator smart money
buy or lease calculator smart money

On the below fields will automatically calculate the result from information in leasing:

  • Monthly loan payment
  • Present value for resale
  • Initial costs
  • Financing costs
  • Present value of total costs

Lease VS Buy Analysis Difference

This is only one field below the Buy field. This is the buy or lease calculator smart money. It will determine the cost difference from buy table and lease table. If the result is in positive, it is suggested to Lease. Negative value means that it much better to Buy rather than leasing.

Buy VS Lease Calculator Taxation

On the top, there are some fields for:

  • Tax bracket: in each month after the purchase
  • Business use percentage: the tax if the product is for business or company use
  • Sales tax: the tax if you sell the stuff.
lease vs buy analysis
lease vs buy analysis

Below those tax information fields, there are two tables for lease and buy taxation calculation. The fields are:

  • Title
  • Fees
  • Sales Tax
  • Potential financing deduction
  • Total potential deduction
  • Potential tax savings.

However, this result will not change the result on Difference field as this is the monthly tax after purchasing and considered as maintenance expenses. You may include depreciation calculation if needed.

HOW TO USE

First enter the Model field. It is optional, as it will not affect the buy vs lease calculator fields.

Next enter the blank provided fields. The blank fields symbolized in white, while the auto-generated one is in grey. The buy vs lease calculator will automatically calculate the data based on provided information.

You can analyze the leasing vs buying a car pros and cons by looking through the calculation result. Because the taxation is not included in comparing result, you may need to consider the tax and maintenance too.

lease vs buy calculator excel
lease vs buy calculator excel

You can add more fields for detailing the lease vs buy calculator excel. To do that, you only need to insert new row. However, you must determine the calculation formula alone.

Related Template:  Cash Flow Forecast Excel Template

CONCLUSION

This template include the lease or buy decision example for any product. In this tutorial, we serve car leasing or buy consideration. This template can be used for personal use or business. You can use it as reference to calculate your own costs.

The buy vs lease calculator can be downloaded for free after you click one of these buttons:

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