← Equipment lease buyout calculator
This calculator vs. Lendzero
Different moments in the same lease: one sizes it before you sign, the other checks the payoff letter after.
Lendzero publishes a one-dollar-buyout equipment lease calculator, described on its own site as covering the three common lease structures — one-dollar buyout, fair market value (FMV), and 10% buyout — for a lease you have not yet signed: enter the equipment cost, term, and rate, and it estimates the payment and buyout you would be agreeing to.
That is a useful tool at signing time, and a different job from the one this page does. This calculator has no payment schedule, no rate factor, and nothing to size a new lease. It starts later, at the moment a lease is already ending: you are holding a payoff letter with one buyout number on it, and the question is no longer "what will the payment be" but "is this buyout worth paying, or is returning the equipment and replacing it actually cheaper?" It converts both paths to cost per month of use on a common footing and reports the break-even buyout price — the number worth negotiating against, not the figure on the letter.
| Question | Where to answer it |
|---|---|
| I'm about to sign a new equipment lease — what will the payment and buyout look like under a one-dollar, FMV, or 10% buyout? | Lendzero's calculator — sizing a lease before signing is exactly what it is built for. |
| My lease is ending and the payoff letter quotes a buyout price — is paying it cheaper than returning the equipment and replacing it? | This calculator — it compares both paths on cost per month of use and names the break-even buyout price. |
| How does the quoted buyout compare to what the equipment is actually worth? | This calculator — it signs the gap against a fair-market-value estimate you supply, so a buyout priced above FMV is easy to spot. |
| What does removal, downtime, or a replacement's all-in cost do to the decision? | This calculator — both have their own fields rather than being folded into a headline price. |
Nothing here is a claim about Lendzero's pricing, terms, or accuracy for the job it does — sizing a lease before signing is not the question this page answers, so there is nothing to compare it on. This calculator is free and needs no account.
Common questions
Should I use this calculator or Lendzero's lease calculator?
They answer different moments. Lendzero publishes a lease calculator, described on its own site, for sizing a one-dollar-buyout, fair-market-value, or 10%-buyout lease before you sign it — payment amount, buyout structure, term. This calculator starts later: you already have a lease-end payoff letter with one number on it, and the question is whether paying that quoted buyout is cheaper than returning the equipment and replacing it. It converts both paths to cost per month of use and names the break-even buyout price worth negotiating against.
Is this page affiliated with Lendzero?
No. This site is not affiliated with, endorsed by, or sponsored by Lendzero. Lendzero is named here only to describe what this calculator is and is not.
Open the buyout calculator to check your own payoff letter against a replacement.