Calculators
Owning builds equity; leasing keeps capital free. Which one actually wins for your business depends on how long you'll stay and what else that capital could be doing — run the real numbers instead of a rule of thumb.
Buying
Leasing
$92,749
Buying wins over 10 years
$542,913
Owner's building equity at end
$450,164
Lease-side investment value at end
$1,192,243
Total lease paid over period
$992,881
Total owner cash outlay
Methodology: both paths start with the same capital — the buyer puts it into the down payment and closing costs, the business investing it instead if it leases. Whenever owning costs more per month than leasing, that difference is credited to the lease-side investment balance. Compares the owner's building equity (net of hypothetical selling costs) against that investment balance at the end of the period. Doesn't model tax deductions (depreciation, interest, or rent expense) on either side.
These calculators provide estimates for educational purposes only — they are not an appraisal, a loan quote, or tax advice. Real underwriting, valuation, and 1031 exchange outcomes depend on your specific deal, lender, and a qualified intermediary/CPA — treat these as a starting point for a conversation, not a final number.
Want a real read on a specific deal? Talk to me directly.
Frequently Asked
Not necessarily — ownership ties up capital and reduces flexibility to relocate or resize, which can matter more than the equity upside for a business that's still scaling or unsure of its space needs.
No — it doesn't model depreciation, mortgage interest, or rent deductions on either side. Those can meaningfully shift the real answer, which is exactly the kind of detail worth running past your CPA once you're comparing real numbers.