Practical guide
How should Polish B2B and leasing scenarios be compared?
Business simulations do not reproduce complete accounting or financing offers. Their purpose is to compare scenarios under consistent, transparent assumptions.
Compare cash flows in one convention
Enter B2B revenue excluding VAT when costs and the result are also analysed without VAT. Separate business costs from social, health and tax amounts.
An effective tax rate in the simplified model should come from your accounting scenario rather than only the name of a tax regime.
A lease payment is not the complete cost
The lease model includes price, initial payment, buyout, term and rate. An offer may also include fees, insurance, administration and tax conditions.
Compare the sum of all fees and buyout terms, not only the monthly payment.
Change one assumption at a time
To understand the effect of a cost, payment or rate, keep other values unchanged. Several simultaneous changes make the difference difficult to explain.
Record parameter dates and sources outside the calculator because the tools deliberately do not retain inputs.
Frequently asked questions
What does this guide explain about “Compare cash flows in one convention”?
Enter B2B revenue excluding VAT when costs and the result are also analysed without VAT. Separate business costs from social, health and tax amounts. An effective tax rate in the simplified model should come from your accounting scenario rather than only the name of a tax regime.
What does this guide explain about “A lease payment is not the complete cost”?
The lease model includes price, initial payment, buyout, term and rate. An offer may also include fees, insurance, administration and tax conditions. Compare the sum of all fees and buyout terms, not only the monthly payment.
What does this guide explain about “Change one assumption at a time”?
To understand the effect of a cost, payment or rate, keep other values unchanged. Several simultaneous changes make the difference difficult to explain. Record parameter dates and sources outside the calculator because the tools deliberately do not retain inputs.
Calculators covered by this guide
Leasing calculator
Estimate a monthly lease payment, total fees and financing cost.
Polish B2B take-home calculator
Estimate monthly B2B cash after entered costs, contributions and tax.