Cash - Loan - Lease Comparison Calculator

Lease-vs-Loan Calculator

Cash / Loan / Lease Calculator by Bailey Business Funds
Preferred term (in years)
How much does your equipment cost?
What is your current Line of credit interest rate?
What lease rate were you quoted?
What taxes apply to you (GST, PST)
What buyout would you prefer? ($1 or 10%)
What is your business tax rate?
What is your return rate on investment? (ROI)
   

CASH
LOAN
LEASE
COST OF EQUIPMENT      
Bank Interest
(for example purposes only)
N/A   N/A
Monthly Lease Payment before taxes N/A N/A  
Taxes (GST & PST)      
Lease Buyout       
Total Equipment Cost before
Tax Savings and Future Value………
     
TAX SAVINGS
Depreciation (variable declining balance)     N/A
Bank Interest  $0.00   N/A
Lease Payments Plus Buyout  N/A N/A  
Total Deductions $0.00    
(Deductions x Your Tax Rate)... $0.00    
FUTURE VALUE OF CAPITAL
Interest Earned on Capital Over Term 
(Your Corporate  ROI)
     
NET COST OF EQUIPMENT
Total Equipment Cost      
Less Corporate Tax Savings       
Less Interest Earned      
Less GST Tax Credit      
NET COST OF EQUIPMENT      
CASH ON HAND AT END OF TERM N/A    

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Buy, lease, or loan?

Even the best of financial planners or accountants can rarely tell you off the top of their head and hiring them to calculate it may cost you more than the difference. To put an end to the question we've provided this Buy / Lease / Loan Comparison Calculator which compares all three options side-by-side.

This Buy / Lease / Loan Comparison Calculator uses Canadian financial calculations and accounts for the annuity required to replace the used cash, tax payable on interest earned, interest on loans, leases, and invested capital, different buyout options, CCA deductions, GST refunds, and separates depreciation from CCA.

Cash values can be entered with or without a dollar sign and/or commas (ie $10,000.00, 10000, or 10000.00).

Percentage values can be entered as numbers with or without the trailing %; symbol, or as decimal values (ie 0.10, 10, or 10%).

Changing any of the values on the calculator instantly updates all calculated values; Values may contain administration fees required in actual funding scenarios.

Note: All calculations done by this Buy / Lease / Loan Comparison Calculator are done on your computer and at no time are any entered values or calculated results transmitted to us or anywhere else on the internet. You can feel totally confident that your calculations remain private.

 

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About Us - Bailey Business Funds


For the past 17 years, Bailey Business Funds has been matching up Entrepreneurs with millions of dollars of Debt and Equity Investment throughout Canada and the USA.

Bailey Business Funds are well versed in knowing what investors want to hear and how they want to hear it.

Bailey Business Funds' founder not only faced off the Dragons on the Dragon's Den in Spring 2010, but also came away with endorsements and kudos from the King Dragon himself, Kevin O'Leary http://blog.baileyfunds.com

Some of our clients have sent us thank you letters or emails;

please follow this link to our References page for feedback from our valued customers.