Lease Calculator - Calculator See


Lease Calculator

Calculate periodic lease payments for commercial real estate, corporate equipment, and industrial machinery.

Calculator Inputs

$
Fair market value.
$
Expected buy-out value.
%
Lessor cost of money.
Duration.

Calculated Results

Periodic Lease Payment
$892.40 / month
Total Payments Over Lease $42,835.20
Finance Rent Charge $6,835.20
Purchase Option at End $7,200.00 (20% Residual)
Values calculate live as you adjust inputs.

About Lease Calculator

Analyzes operating and capital finance leases for commercial equipment, office technology, and corporate assets.

What is Lease Calculator?

Analyzes operating and capital finance leases for commercial equipment, office technology, and corporate assets.

How to Use This Calculator

  1. Enter asset cost basis.
  2. Enter estimated residual buy-out value.
  3. Enter lease rate and duration in months.
  4. View monthly lease obligation and finance charge.

The Mathematical Formula & Variables

Lease Payment = (Cost - Discounted Residual) / Annuity Factor

Step-by-Step Worked Example

Scenario: $36,000 equipment with $7,200 residual at 6.5% for 48 months.

  1. Amortizes $28,800 principal plus rent charges.
  2. Monthly payment solves to $731.82.

Result: $731.82 / month

Frequently Asked Questions

What is the difference between an operating lease and a finance lease?

Under an operating lease, the lessor retains asset ownership and risk; under a finance (capital) lease, the economic risks and rewards of ownership transfer to the lessee.