Heavy Duty Journal
Professional Tools
Lease vs. Buy Analysis
Compare the total cost of ownership between purchasing and leasing commercial trucks. Account for financing, maintenance, insurance, depreciation, and residual value.
Equipment Information
Details about the trucks you're considering
trucks
$
mi/yr
Buy Option
Purchase financing and ownership costs
%
%
months
%
$
/yr
$
/yr
%
Lease Option
Full-service or finance lease terms
$
/mo
$
mi/yr
$
/mi
Maintenance included in lease (Full-Service Lease)
$
/yr
$
/yr
Comparison Results
Calculating...🔑 Buy Option
$0
$0.00/mile
VS
📋 Lease Option
$0
$0.00/mile
Total Savings with Buy
$0
over 5 years for 5 trucks
$0
Buy Monthly
$0
Lease Monthly
$0
Ending Equity (Buy)
$0
Savings/Truck
View Detailed Cost Breakdown
Buy Costs
Down Payment
$0
Loan Payments
$0
Total Interest
$0
Insurance
$0
Maintenance
$0
Less: Residual Value
-$0
Less: Tax Benefit
-$0
Net Buy Cost
$0
Lease Costs
Upfront/Deposit
$0
Lease Payments
$0
Insurance
$0
Maintenance
$0
Excess Mileage
$0
Total Lease Cost
$0
Disclaimer: This analysis is for educational purposes only. Actual costs depend on specific financing terms, lease agreements, tax situation, and market conditions. Depreciation benefits assume MACRS or similar methods; consult your tax advisor. Residual values and maintenance costs vary significantly by make, model, and duty cycle. Always review actual lease contracts and loan documents before making decisions.
