Free tool
Rent vs Lease vs Buy Calculator
Enter your equipment value and project length to compare the total cost of each access model. Estimates for guidance only — get exact figures via a quote.
Your scenario
Equipment value / purchase price: €100,000
How long you need it: 24 months
Annual finance rate: 6%
Estimated resale value at end: 35%
Usage intensity
Estimated cost comparison
| Model | Monthly cost | Total payments | Total cost (TCO) | Balance sheet |
|---|---|---|---|---|
| Rent | €3,333 | €80,000 | €86,000 | Off-balance-sheet |
| Lease | €4,432 | €106,369 | €112,369 | On-balance-sheet |
| BuyLowest total cost | €2,958 | €106,000 | €71,000 | On-balance-sheet |
Cumulative cost over time
These are simplified estimates for comparison only and are not financial advice or a quote. Tax treatment (e.g. IFRS 16) depends on your accounting setup — consult your advisor.
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