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Leasing calculator

Compare a model lease with a balloon buyout. Choose net or gross amounts and one VAT rate, then enter initial payment, fees and buyout. Results distinguish financing cost from VAT without estimating tax deductions.

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Data: 2026

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Enter data

All entered monetary amounts must use the same net or gross basis. Fields marked with an asterisk are required.

How to use the calculator

  1. Price and both fees must follow the selected net/gross basis. Initial-payment and buyout percentages refer to the asset price.
  2. Enter the nominal rate, not APR. The upfront fee is not financed; the monthly fee is added to each instalment.

Calculation details

Formula and calculation method

Net instalment = annuity on (net price − initial payment − discounted buyout), monthly rate = annual/12. Net amounts and VAT on each payment are rounded to cents and summed.

Worked example

PLN 12,000 net price, 10% initial payment, 10% buyout, 12 payments, zero interest and no fees: PLN 800 net instalment; at 23% VAT, PLN 984 gross and PLN 14,760 total outlay.

Limitations

  • Fixed rate, month-end payments, identical VAT treatment for all payments. Excludes mixed fee rates, VAT paid entirely upfront, insurance and foreign-currency accounting.
  • Does not calculate VAT deductibility, PIT/CIT deductions, 2026 vehicle caps or legal lease classification. The lessor’s schedule and final payment may differ due to rounding.

Sources

Engine version: 1.0 · Last reviewed: 22 September 2026

Frequently asked questions

What does this tool cover?

Compare a model lease with a balloon buyout. Choose net or gross amounts and one VAT rate, then enter initial payment, fees and buyout. Results distinguish financing cost from VAT without estimating tax deductions.

Which assumptions should I verify?

Fixed rate, month-end payments, identical VAT treatment for all payments. Excludes mixed fee rates, VAT paid entirely upfront, insurance and foreign-currency accounting. Does not calculate VAT deductibility, PIT/CIT deductions, 2026 vehicle caps or legal lease classification. The lessor’s schedule and final payment may differ due to rounding.

Are entered values stored?

Calculations run locally in your browser. Entered identifiers, amounts and results are not stored or sent to analytics.

Read the supporting guide

How should Polish B2B and leasing scenarios be compared?

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