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Calculate equipment lease payments. Enter cost, term, rate, and residual to see monthly payment, total cost, and breakdown.

Equipment Lease

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Enter equipment cost, term, rate, and residual to see your monthly lease payment and breakdown.

Πλήρης Οδηγός χρήσης

What is the Lease Calculator?

This calculator estimates your monthly equipment lease payment. You enter the equipment cost, lease term in months, interest rate, and residual value. The payment is based on financing the depreciation (cost minus residual) over the term. Fair Market Value (FMV) leases have a residual at the end; $1 buyout leases effectively finance the full cost.

Lease Payment Formula

The monthly payment finances the amount to be depreciated (cost minus residual):

PMT = (Cost − Residual) / PV factor

PV factor = [1 − (1+r)^(−n)] / r — r = monthly rate, n = term in months

Βασικές Έννοιες

Residual value

Estimated value of the equipment at the end of the lease. Lower residual means higher monthly payments.

Fair Market Value vs $1 Buyout

FMV: you can return the equipment or buy it at market value. $1 buyout: you own the equipment for $1 at the end; payments are higher.

Amount financed

The depreciation (cost minus residual) that you pay over the term. Interest is applied to this amount.

Πώς να χρησιμοποιήσετε αυτήν την αριθμομηχανή

  1. Enter the equipment cost and lease term in months.
  2. Enter the interest rate and residual value (or use $1 buyout).
  3. Optionally set advance payments and security deposit.
  4. Click Calculate Lease to see monthly payment, charts, and schedule.
  5. Review the schedule to see how each payment splits between principal and interest.

Κατανόηση των αποτελεσμάτων σας

Monthly payment

The fixed amount you pay each month. It includes principal (depreciation) and interest.

Due at signing

Advance payments (e.g. first month) plus security deposit, due when you sign the lease.

Buyout at end

Amount to purchase the equipment at lease end. FMV leases: market value; $1 buyout: $1.

Κατανόηση των γραφημάτων

Amount Financed vs Interest

A doughnut chart showing total amount financed (depreciation) vs total interest over the lease.

Principal vs Interest (First 12 Months)

Stacked bar chart showing how each monthly payment is split between principal and interest in the first year.

Σημαντικές Σημειώσεις

  • Results are estimates. Actual lease terms may vary by lessor.
  • Due at signing includes advance payments plus security deposit.
  • Read your lease agreement for exact payment, fees, and end-of-lease options.

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