Commercial & land calculators · Owning

Lease vs. Buy Calculator

Lease the space or own it, compared over the same years.

Rent and a loan payment are not the full comparison. Bring both options onto one horizon, including capital, operating costs, debt and your exit.

Lease vs. Buy CalculatorLocal knowledge. A clearer decision.

Bring the lease quote, the purchase and loan terms, and operating costs for the building.

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Your numbers

Step 1 of 6 · The quoted space

The quoted space

Rent is quoted per rentable square foot. The lease label alone does not decide who pays what.

Note where a number came from (optional)
The quote is in
Are pass-throughs waived too?
Percentage rent?
Interest-only loan?
Sell at the end?
Also show a discounted view?

Lease vs. Buy Calculator

Your results

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Related guides

Talk with Tim's team about this property

We handle investment and owner-occupant purchases across the Triangle.

Talk with Tim's team about this property

Before-tax occupancy comparison, not appraisal, SBA eligibility or a financing guarantee. Leasing representation is subject to confirmed service scope.

Where our formulas come from

OCC: commercial real estate lending reference ↗

How this calculator works

Method

Annual $/sq ft × rentable area ÷ 12 gives monthly base rent. Annual escalations start at each 12-month anniversary. Initial free months waive base rent only unless you select pass-through waiver. Deposits and their assumed return are cash events, not rent expense.

Limits

Before-tax occupancy comparison, not appraisal, SBA eligibility or a financing guarantee. Leasing representation is subject to confirmed service scope.

Sources