Laptop Lease vs Buy Calculator
Compare Leasing vs Buying IT Assets in Seconds
A financial calculator that estimates tax impact, GST input credit, opportunity cost, residual value, productivity cost, and lease profitability.
Total Asset Value
₹1,00,000
Buy NPC
₹1,04,880
Lease NPC
₹78,158
Savings with Lease
₹26,721
Requirement
Enter laptop price excluding GST. GST is calculated separately.
Lease Frequency: Monthly
Advanced AssumptionsFixed
Using Fixed Proposal Assumptions
These assumptions are locked as per proposal calculation and cannot be edited.
Company Discount Rate (%)
10
Corporate Tax Rate (%)
25.17
GST Rate (%)
18
Cost of Equity / Opportunity Cost (%)
8
Depreciation Period (Years)
3
Depreciation Rate WDV (%)
40
Residual Value Rate (%)
5
Rental Rate per Period (%)
3.5
Advance Payment / Refundable Deposit (%)
10
# Laptops Managed per IT Person
1
Monthly IT Person Salary (₹)
0
Monthly Employee Salary (₹)
40000
Productivity Loss (%)
0
Sales Commission (%)
0
Financing Cost (%)
8
Financial Comparison
Buy Net Present Cost
₹1,04,880
Lease Net Present Cost
₹78,158
Savings with Lease
₹26,721
25.48% lower cost
Lease Option is Recommended
Metric
Buy Option (PV)
Lease Option (PV)
Total Outflow
1,44,181
1,23,248
Total Inflow
39,301
45,090
Net Present Cost
1,04,880
78,158
Buy Option - Cash Flow Details
All amounts in ₹. Total PV discounted @ 10.0%
Net Present Cost
1,04,880
Particulars
Year 0
Year 1
Year 2
Year 3
Total PV
A. CASH OUTFLOWS
Initial Outlay
1,18,000
-
-
-
1,18,000
Opportunity Cost
-
9,440
9,440
9,440
23,476
Annual Management & Maintenance
-
-
-
-
0
Productivity Loss
-
-
-
-
0
Reversal of ITC on Residual Value
-
-
-
3,600
2,705
B. CASH INFLOWS
Input Tax Credit on Purchase
18,000
-
-
-
18,000
Tax Benefit on Depreciation (WDV)
-
10,068
6,041
3,624
16,868
Residual Value
-
-
-
5,900
4,433
Total Net Present Cost (A - B)
1,04,880
Lease Option - Cash Flow Details
All amounts in ₹. Total PV discounted @ 10.0%
Net Present Cost
78,158
Particulars
Year 0
Year 1
Year 2
Year 3
Total PV
A. CASH OUTFLOWS
Annual Lease Installments incl. GST
-
49,560
49,560
49,560
1,23,248
Productivity Loss
-
-
-
-
0
B. CASH INFLOWS
Input Tax Credit on Lease
-
7,560
7,560
7,560
18,801
Tax Benefit on Lease Expense
-
10,571
10,571
10,571
26,290
Total Net Present Cost (A - B)
78,158
Disclaimer: This calculator is for business comparison and proposal discussion only. Final tax treatment, depreciation, ITC eligibility, lease classification, and accounting impact should be validated by the company’s CA or finance advisor.
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