Property
Buy, Rent & Lease Calculator
Compare property renting, buying and rental returns as well as vehicle buying, financing and leasing under your own assumptions.
Rent vs. buy
The calculator compares mathematical scenarios rather than recommending a choice. Property comparisons include remaining debt and retained value; rental-property metrics keep NOI separate from debt service. Vehicle scenarios use one common time horizon. Leasing does not create ownership and the money-factor APR is only an approximation.
Comparison horizon
Rent
Buy
Result
Mathematical difference
-15,264.58
Buy, Rent & Lease Calculator
The calculator compares mathematical scenarios rather than recommending a choice. Property comparisons include remaining debt and retained value; rental-property metrics keep NOI separate from debt service. Vehicle scenarios use one common time horizon. Leasing does not create ownership and the money-factor APR is only an approximation.
FAQ
Is renting or buying cheaper?
The calculator shows the mathematical cost difference for the assumptions entered. Whether renting or buying costs less therefore depends on the period, financing, value change, rent and costs.
Why is rent versus loan payment not enough?
A loan payment does not include purchase costs, ownership costs, remaining debt, value changes or a possible sale. The comparison includes those factors as well.
How is remaining debt included?
The remaining balance is calculated from the repayment schedule at the end of the comparison period and is included in equity and possible sale proceeds.
What is gross rental yield?
Gross rental yield relates annual gross rent to the purchase price. It does not yet include vacancy, operating costs or financing.
What is NOI?
NOI (net operating income) is operating income before financing: rental income less vacancy and recurring operating costs.
What is cash-on-cash return?
Cash-on-cash return relates annual cash flow to the equity invested. No ratio can be shown when no positive equity investment is defined.
How does vacancy affect cash flow?
Vacancy reduces the rent used in the calculation by the entered percentage and therefore lowers NOI and annual cash flow.
How is a lease payment calculated?
In this model, the lease payment consists of monthly depreciation, a finance charge, and the entered fees and additional costs.
What is the money factor?
The money factor is a leasing parameter used for the finance charge. The displayed APR is only a mathematical approximation.
Do I own the vehicle after leasing?
No. The model treats leasing as use during the term and does not assume a transfer of ownership.
Are taxes or legal rules included?
No. Taxes, individual contracts and local legal rules are not modelled.
Is this financial advice?
No. The result is a mathematical scenario calculation based on your inputs, not financial or legal advice.