ATLAS / DECISION TOOLS
Buy, rent or finance equipment calculator.
Compare cash purchase, rental and finance over the same equipment-use period, including operating costs, resale and any remaining finance payout.
How this model works.
All three choices use the same comparison period. Buying and financing assume the asset is sold at the end for your entered resale value; rental has no sale proceeds.
Finance uses monthly payments in arrears at a constant nominal rate. Selling before the term ends settles the mathematical remaining balance; this is not a lender payout quote.
Pre-tax cash costs only. Include maintenance and insurance in operating costs. Fees, rental exit charges, tax, GST and finance early-payout charges are excluded.
Questions about this tool
What if I sell before the finance ends?
The model includes a mathematical remaining-balance payout in the final comparison month. Obtain a real payout quote because contractual charges can change it.
Is the cheapest total always best?
No. Upfront cash, flexibility, downtime, maintenance responsibility and resale risk also matter.
Model methodology describes Atlas’s illustrative calculation, not any provider’s underwriting rules. Check the actual proposal and obtain advice appropriate to your circumstances.