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Buy vs Lease Calculator is free — no account needed.It is one of 29 tools inside MNB Cortex, which watches your receivables and deadlines and emails you before they cost you money.Check your own numbersPlans from ₹799

Buy vs Lease

Present-value comparison for any big asset decision

Buy — present-value cost
₹18.22 L
Cost ₹20.00 L − PV of salvage ₹1.78 L
Lease — present-value cost
₹19.32 L
₹42.0K/mo for 60 months, discounted
Buy is cheaper in present-value terms by ₹1.10 L over 5 years.

This compares pure cost of capital. Leasing also preserves cash and can be off-balance-sheet; buying builds an asset and captures depreciation tax shield. Factor those in before deciding.