Calculator
Lease vs Buy Calculator
Compare rent over a holding period with the cash an owner might pay to carry a building. Use it to see the two cash paths, then read the assumptions.
Lease vs. buy
- Illustrative lease cost
- $1,313,967
- Illustrative ownership cash outflow
- $1,646,530
- Illustrative ending property value
- $1,828,492
- Illustrative loan balance
- $872,003
- Illustrative equity
- $956,489
Based on these assumptions. Tax treatment, depreciation, transaction costs, and future repairs can change which path costs less.
Results use the numbers you enter. They are illustrative, not a loan quote, an appraisal, or a guarantee of investment performance.
The tool adds growing rent on one side and down payment, debt service, and operating costs on the other. Ending value and loan balance are illustrations from the appreciation and amortization you enter.
Tax treatment, depreciation, opportunity cost, transaction costs, and a repair you have not priced can reverse the picture. The article should your business lease or buy stays the longer explanation.
Based on these assumptions, you can see the cash paths side by side. Do not read a lower cash number as the better decision by itself.
Want help evaluating a commercial property?
Call or text Bryan at 402-521-3000 with the rent roll or the question. The calculator stays an illustration.
Bryan Robinson
NHS Commercial
Professional Sales Agent | Licensed in Nebraska