A framework to compare total cost and cash flow.
In this guide
Compare total cost
Add up all payments over the period and subtract any value you retain at the end.
Look at cash flow
Leases often need less upfront cash; loans build ownership.
Consider technology risk
For fast-changing equipment, flexibility to upgrade can be worth paying for.
Check accounting and tax treatment
Treatment differs; ask your adviser before signing.
Key takeaway. Use the lease-vs-buy calculator for a first view, then compare actual quotes.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.