Lease Calculator Home Page

Lease Calculators. There are various lease calculators on the Web. On this site we discuss what these lease calculators do and who they are meant for. Some of these are stand alone programs that can be run from your PC. Others can be run from the Web. Some are meant for those that rent to others (lessors). Others are meant for those renting the item (lessees). Some are designed for specific types of assets, such as vehicles or real estate.

A Shameless Commercial Plug

This site is published by Denver Tax Software, Inc (DTS). We sell the DTS Lease Vs. Buy Analyzer which is one of the lease calculators mentioned here. We will try our best to be fair. But, our customers like the DTS Lease Vs. Buy Analyzer and so do we!

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The Economics of Leases

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The Trade Offs

	Owning Something	Leasing Something
Terminology	A buy or purchaser acquire the asset from a seller.	A lessee acquires the right to use a lessor's asset.
Monthly Payments	If there is a loan. The payments stop when the loan is paid off.	Sometimes monthly lease payments are lower than loan payments. Monthly lease payments stop when the lease is over, but you lose the asset. Often a lessee is making the lessor's loan payments! The lessor gets the asset, and the lessee gets a stack of rent receipts. This is often why lease payments can be lower than an owner's loan payment.
When You Are Done Using The Asset	If it is worth something, you can sell it or trade it in. This can help finance the next purchase. This could be a hassle. The disposition value of the asset is frequently the most important factor in determining whether owning the asset was better than leasing it. The time value of money also must be considered.	You give it back to the lessor. If this is at the end of the lease, this is usually simple. If this is in the middle of the lease, this could be a hassle and expensive. Since the asset usually has value at the end of the lease, this can be a bonus to the lessor that makes often low ball lease payments more than worthwhile.
While Using The Asset	More likely to take better care of it.	Who cares. Somebody else owns it.
Improving The Asset	If you want to add a component or improvement to computer, vehicle or something else that you own, no problem. It is yours. This probably increases the value of your asset.	You will probably need permission from the owner. Your investment improves somebody else's asset.

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Denver Tax Software, Inc.
PO Box 5308
Denver, CO 80217
1-800-326-6686

E-mail us at info@denvertax.com

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