Discounted cash-flow scenario only—not tax, depreciation, lease-accounting, legal, financing-eligibility, or purchasing advice. User-entered tax adjustments are preserved as assumptions; no deduction is inferred. This tool does not recommend a choice.

Timing and discounting

Scenario nameCurrency labelStart datePeriodHorizon periodsDiscount rate %Discount-rate basis

Lease

Upfront feeDeposit paidDeposit refundRefund periodPeriodic paymentEscalation % per periodPeriodic feesPeriodic maintenanceBuyout at horizon

Purchase / financing

Purchase priceDown payment (must balance price with principal)Financed principalFinancing modeFinance annual nominal rate %Finance term periodsPurchase upfront feesPeriodic maintenanceResale proceedsResale period

User financing schedule: period,amount (used only in schedule mode)User tax cash-flow adjustments: side,period,amount,note — positive is cost, negative is benefit

JSON import (maximum 1 MiB)

Auditable cash-flow ledger

Date / period	Side	Row	Nominal cash cost	Discount factor	Present cost	Cumulative lease − buy PV

Equipment Lease vs Buy Comparator

Timing and discounting

Lease

Purchase / financing

Auditable cash-flow ledger

Findings and timing assumptions