Lease Buy Comparatora bank sheet for the machinery decision
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Lease, buy or used: which is cheaper in today dollars?

Paste the dealer quote, the bank loan offer and the dealer lease terms, and the sheet compares lease, buy and used-buy in today dollars and shows when each deduction and the GST credit actually land.

Paste your own figures See the specimen sheet

AUD 110,142buyAUD 139,113leaseAUD 208,227usedpresent value of cost, today dollars, on the specimen figures

Pricing

One price per comparison, or a year of them.

The comparison on this page is free with no account. One payment of AUD 49 unlocks saving a scenario and the year ledger for one machine; AUD 199 a year covers every machine in the season and every scenario you keep.

One click to checkout. A plan button goes straight to the payment page with no sign-in gate; your account is created from the email you pay with. If a claim is interrupted, come back and sign in with the same address you paid with.

Plans, as ledger lines

Free

AUD0
no card needed
  • The full comparison on this page
  • The deduction timing year by year
  • The GST credit quarter and the cash gap
  • Print the one-page sheet
Build the sheet

One comparison

AUD49
one payment, one machine
  • Save the scenario and reopen it next week
  • Download the year ledger as CSV
  • A second dealer quote and a second offer side by side
  • Owner-scoped: only your account reads it
Unlock one comparison

Annual

AUD199
a year, billed once
  • Everything in one comparison
  • Unlimited machines and saved scenarios for a year
  • Every sensitivity run kept
  • Cancel any time from the account page
Choose Annual
Annual is the default: AUD 199 a year is the whole season's machinery decisions, not one sheet.
Subtotal, the whole season's decisionsAUD 199 a year, about AUD 17 a month

What the paid plans add, and what stays free

Everything that decides the answer is free and on screen: the three options in today dollars, the deduction timing, the GST credit quarter, the residual, the machine's end value and every assumption. The paid plans add saving the scenario to your own account, reopening it next week with the same numbers, and the CSV of the year ledger, so the sheet can go into the lender's pack or the accountant's folder. No comparison figure is ever withheld behind the paywall.

How the payment works

One click goes to Stripe Checkout. No sign-in is needed first: you give Stripe an email, and the account is created from that email when the payment completes. The card is charged by Stripe, never here. A one-off comparison is a single payment; the annual plan is a subscription you can cancel from the account page.

If the return trip is interrupted

If the page after payment does not open, sign in with the same email address you paid with and the plan is already on the account. Nothing is charged twice.