Aircraft Lease vs Finance Calculator.
Compare the total cost of leasing vs financing an aircraft over the same term, including down payment, loan payments and expected resale value.
Estimates only, before tax, insurance and maintenance. Real terms depend on the aircraft, operator and lender.
Start a deal fileHow this calculator works
Leasing cost is the monthly lease payment times the number of months. Financing cost is the down payment plus all loan payments over the same term, minus what you would get by selling the aircraft at the end. To keep the comparison fair, the loan is assumed to be fully paid off over the term. Maintenance, insurance and taxes are left out because they usually apply to both.
Frequently asked questions
Why does resale value matter so much?
When you finance, you keep the aircraft's value at the end. If it holds value, financing usually costs less overall. If it loses value quickly, leasing looks better because the lessor carries that loss.
Is the lowest cost always the right choice?
No. Leasing can be worth a higher cost if it keeps cash available for growth or lets you exit the aircraft early.
What about taxes?
Ownership may allow depreciation and lease payments may be deductible as expenses. Ask your tax advisor, because the effect depends on your situation.