How to use this calculator
- Enter purchase cost, end-of-term resale, annual end-year lease payment, annual ownership maintenance, years, annual discount rate (%).
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Lease maintenance is assumed included. Tax relief, upfront deposits, financing, cancellation and residual guarantees are excluded.
Worked example
With purchase cost = 10000, end-of-term resale = 2000, annual end-year lease payment = 2500, annual ownership maintenance = 200, years = 5, annual discount rate (%) = 0, undiscounted buy cost is approximately 9000.
What the result means
Compare cash costs under common horizon and discount assumptions.
Common questions
How should I interpret undiscounted buy cost?
Compare cash costs under common horizon and discount assumptions.
What should I check before using this result?
Lease maintenance is assumed included. Tax relief, upfront deposits, financing, cancellation and residual guarantees are excluded.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.