Business & Finance Tools
Lease-vs-Buy Analyzer
Use this analyzer to frame the cash flow and cost tradeoffs between leasing and buying equipment, vehicles, or operating assets.
Input Panel
Assumptions & Disclaimer
- Simplified cash comparison before tax treatment, depreciation, financing fees, and opportunity cost.
- Maintenance, insurance, and tax assumptions are directional and should be reviewed by asset type.
- Future versions may add state tax, depreciation, and multi-year scenario planning.
These tools provide preliminary estimates for informational purposes only and do not constitute tax, accounting, legal, investment, or financial advice. Results may vary based on facts, elections, deductions, credits, state and local rules, entity structure, financing terms, and other considerations. Consult Covault or another qualified advisor before making decisions based on these estimates.
Results Panel
Monthly loan payment
$3,960
Estimated total buy cost
$272,614
Estimated total lease cost
$288,000
Difference
-$15,386
Directional interpretation
Buying appears lower on the simplified cost comparison before tax effects and strategic considerations.
Advisory Review
Request Covault Review
Want help interpreting these numbers? Covault can review your scenario and help identify tax, financing, and cash flow considerations.
Future Enhancements
TODO: add PDF export, saved scenarios, client portal integration, CRM/email integration, AI-assisted explanation of results, state tax calculations, multi-year tax planning, and QBO/client data integration.