Lease Calculator
Fast, accurate and free online leasingowy calculator tool running directly in your browser.
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Calculate the monthly payment and total leasing cost for your vehicle or equipment.
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Calculate the approximate leasing installment based on the item price, down payment, redemption value, interest rate and contract duration. The result is immediate and clear, and the description below explains each step.
How to use it
Enter the gross or net price according to your billing model. Set the down payment percentage and the final redemption percentage. Enter the annual nominal interest rate and the duration of the contract in years. After clicking the Calculate button, you will see the amount of the monthly installment.
What exactly do we count?
First, we determine the financed amount P according to the formula:P = price − (price × own_payment_proc) − (price × redemption_proc). Then we convert the annual interest rate into monthly interestr = interest rate/12and we calculate the number of installmentsn = years × 12. The installment itself is a classic annuity:installment = P × r / (1 − (1 + r)−n). When the interest rate is 0, the installment is simplyP/n.
Assumptions and comments
The calculator does not add additional fees such as commissions, insurance, preparation or redemption fees beyond the percentage entered in the form field. The result is an estimate and is used for a preliminary evaluation of the offer. Commercial and tax terms may change the calculations in your contract.
Example using default parameters
Price PLN 120,000. Own payment 10%. Redemption 1 percent Interest rate 6 percent. Duration 4 years. The amount financed P is PLN 106,800, and the monthly installment is approximately PLN 2,508.20. This example shows the impact of even a small redemption on reducing the financed basis and installment.
| Parameter | Value |
|---|---|
| Price | PLN 120,000 |
| Own payment | 10 percent i.e. PLN 12,000 |
| Redemption | 1 percent i.e. PLN 1,200 |
| Amount financed P | PLN 106,800 |
| Monthly interest rate | 0.5 percent |
| Number of installments n | 48 |
| Monthly installment | approximately PLN 2,508.20 |
Operating or financial leasing – what to choose?
In Poland, approximately 90% of contracts include:operational leasing: the item remains the property of the lessor, the installments are entirely tax-deductible, and VAT is added to each installment separately.Financial leasingit works the other way around: the item goes to the lessee's register of fixed assets (it is depreciated), the cost is only the interest part of the installment, and the entire VAT is paid in advance with the first installment. Operational is chosen by companies that want simple costs and a low entry threshold; financially it is profitable, among others at the VAT rate, a margin or when you want to take over ownership quickly.
What has the greatest impact on the leasing installment?
- Initial fee (initial rent)— typically 0–45% of value. The higher it is, the lower the installments and the lower the overall interest cost.
- Contract period— most often 24–60 months. Longer period = lower installment but higher total cost.
- Redemption (residual value)- from 1% to up to 60%. A high buyout lowers the installments, but at the end you need cash or refinancing.
- Interest rate (interest part)- in offers often hidden in the "sum of leasing fees"; compare it (e.g. 110% means that you will give back 110% of the item's value in total).
In the calculator, change one parameter at a time - you will immediately see which condition is most worth negotiating.
Leasing or loan?
The loan gives ownership from the first day and no mileage limits, but requires creditworthiness and burdens BIK indicators. Leasing is procedurally faster (often a decision is made within one day of the declaration), more tax-beneficial for companies and does not block creditworthiness to such an extent - but the item to be purchased is not yours, and early termination of the contract can be expensive. For the consumer (private leasing), the tax advantage disappears and the comparison comes down to pure costs - count both options and compare the totals.
Frequently asked questions
Does the calculator include VAT
It does not impose a VAT rate. Enter a price consistent with your settlement method and the provider's policy. In the case of operational leasing, installments usually include VAT settled on a monthly basis, but the practice is confirmed by the contract.
Why is the installment different from the leasing company's offer
Financial institutions use their own fee tables, schedules and rounding. Some of the costs may be included in the installment or paid in advance. Our result is indicative and helps you compare scenarios before talking to an advisor.
Do you include insurance or commission
No. These values depend on the offer and the subject of financing. If you want to include additional costs in the installment, increase the amount financed by their sum and recalculate the result.