Free tool · For business owners

Own or lease your space? Run the 10-year math.

Put in your current rent and a building you are considering. Change any number and the comparison updates.

LeasingAnnual rent today ($)Yearly rent increase (%)

BuyingPurchase price ($)Down payment (%)Interest rate (%)Amortization (years)Closing costs (% of price)

AssumptionsProperty value growth (% a year)Return on cash you keep (% a year)Selling costs (% of value)

10-year cost of leasing

10-year net cost of owning

Loan payments a year

Equity if sold in year 10

Through	Leasing	Owning, net

Owning cost is the down payment, closing costs and loan payments, plus what that cash could have earned, minus what you would net if you sold at that point. Property taxes, insurance and maintenance are left out because a triple-net tenant pays them too. Tax effects such as depreciation are not included. This is an educational illustration, not an offer to lend, a loan estimate, or financial, tax or legal advice.

Talk through your real numbers