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Business · Financing & Equipment

Equipment Buy vs. Lease Calculator

Compare the net cost of financing equipment against leasing it over the same period.

  • Free to use here · embed on the Business plan
  • 6 inputs · 5 results
  • English & Spanish

Try the Equipment Buy vs. Lease Calculator

Enter the buy and lease terms — the cheaper option updates as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Equipment Buy vs. Lease calculator works out

The Equipment Buy vs. Lease Calculator is a free, embeddable calculator from CalcFunnel. Compare the net cost of financing equipment against leasing it over the same period.

You enter 6 inputs: equipment price, loan rate (%), loan term (months), resale value at end, monthly lease payment and lease term (months).

It returns net cost to buy, total lease cost, cheaper option, monthly loan payment and difference.

Built for business lenders, SBA brokers and accountants. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Business category.

Results it shows

  1. 01Net Cost to Buy
  2. 02Total Lease Cost
  3. 03Cheaper Option
  4. 04Monthly Loan Payment
  5. 05Difference

The first figure — net cost to buy — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Buy (Financed)

Equipment Price
The purchase price if you buy and finance the equipment.
Loan Rate (%)
Annual interest rate on the equipment loan.
Loan Term (months)
How many months to repay the loan.
Resale Value at End
What you could sell the equipment for at the end — recovered if you buy.

Lease

Monthly Lease Payment
The monthly lease cost.
Lease Term (months)
How many months the lease runs. Use the same length as the loan term for an apples-to-apples comparison.

For your website

Embed this calculator on your website

Put the Equipment Buy vs. Lease Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Equipment Buy vs. Lease calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Equipment Buy vs. Lease Calculator calculate?
Compare the net cost of financing equipment against leasing it over the same period. It returns net cost to buy, total lease cost, cheaper option, monthly loan payment and difference.
Q.02What information do I need to use the Equipment Buy vs. Lease Calculator?
You enter 6 inputs: equipment price, loan rate (%), loan term (months), resale value at end, monthly lease payment and lease term (months). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Equipment Price” mean in the Equipment Buy vs. Lease Calculator?
The purchase price if you buy and finance the equipment.
Q.04What does “Loan Rate (%)” mean in the Equipment Buy vs. Lease Calculator?
Annual interest rate on the equipment loan.
Q.05Is the Equipment Buy vs. Lease Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Business category. Compare plans.
Q.06Can I embed the Equipment Buy vs. Lease Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Equipment Buy vs. Lease Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Equipment Buy vs. Lease results financial advice?
No. Estimates only. Compares total cash paid (not discounted for the time value of money); for a fair comparison use the same loan and lease term. Tax treatment (e.g. Section 179 or depreciation vs. deductible lease payments), maintenance and end-of-lease terms affect the real comparison. Consult your accountant.

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The Equipment Buy vs. Lease Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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