Buy vs Lease Calculator
Opportunity Cost | Tax Shield | Wealth Gap AnalysisScenario A: Buying (Cash Purchase)
Total Cash Price
$
Holding Period (months)
Annual Maintenance
$
Annual Insurance
$
Estimated Resale Value (Auto)
$
Based on 15% p.a. depreciation
Scenario B: Leasing (Subscription)
Monthly Rental
$
Lease Term (months)
Security Deposit (Refundable)
$
Financial Parameters
Investment Return Rate: 10%
Tax Rate: 30%
Depreciation Rate: 15%
Wealth Gap: Lease + Invest vs Buy
Optimal Strategy
LEASE + INVEST
$9.0L more wealthBuy Analysis
Cash Outflow$2,000,000
Recurring Costs$400,000
Resale Value-$1,000,000
Net Cost$1,400,000
Lease Analysis
Total Payments$2,100,000
Tax Savings-$630,000
Net Cost$1,470,000
Opportunity Cost Analysis
Investment Gain$1,226,087
Wealth Gap$-900,000