Buy vs. Lease Calculator :

Should you buy or lease your furniture? Find out by entering your furniture costs in the Blue box and press your TAB key. A summary comparison can be found at the bottom of this report. Don't know your furniture costs? Use our Furniture Budget calculator.

FINANCIAL COMPARISON PAYING CASH VS.LEASE FINANCING (FMV not to exceed 5%) Term of Lease 60 Months
Paying Cash		LEASE FINANCING
Enter Your Equipment Cost ->		Equipment Cost
Loss of Income Income accrued on principal (12% OVER 60 MONTHS)*		Monthly lease payment
Less 40% tax paid
Total Net Income lost		Total of all lease payments (2190 X 60)
Pre-Tax Cost of Equipment		Pre-Tax Cost of Equipment
Less Tax Savings Depreciation of principal amount @ 40%		Less Tax Savings Monthly write-off of total @ 40%
Post-Tax Cost of Equipment		Post-Tax Cost of Equipment
		FMV Buyout 5% of principal** (less tax savings)
Total Net Cost of Equipment		Total Net Cost of Equipment
Average Cost per Month		Average Cost per Month
Lessee Saves:
	Per Month
	Per Year
	60 Month Term
* Source: Dun & Bradstreet,1998. D&B research shows that the average company receives a 12% return on every dollar of working capital that is re-invested. ** In most circumstances, we are able to cap the FMV buyout at not to exceed 5%

Leasing is one of the most popular methods of financing the office furniture purchase. Work Spaces Design and its strategic partners can offer you flexible plans to meet your budget. Read more about our Leasing Services or if you work in New York or New Jersey contact us today.

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