Your figures
Compare buying with leasing and investing in equivalent premises, using equal starting resources and annual cash budgets. Results update as you enter figures, before tax.
Dates label equal monthly periods; annual savings are invested at year end.
Keep all entered amounts on a consistent GST basis. This choice does not determine recovery rights or GST eligibility.
Enter checked duty, legal and finance fees. Exclude your deposit and separately entered initial works. Enter 0 if none.
Upfront cash only. The model does not add the works cost to property value.
Include checked property taxes, insurance and maintenance. Exclude loan payments, initial works and sale costs. Enter 0 if none.
Up to the purchase price. Buying costs and initial works are additional cash.
Must be shorter than the amortisation period; scheduled principal payments then begin.
Any remaining balance is repaid as a balloon here. No refinancing is assumed.
Contract face rent before the entered initial rent-free period. Use equivalent premises; this is not a market rent estimate.
Only costs additional to the entered rent. Enter 0 for costs already included, including those in gross rent.
Applies to the first entered months only. Additional tenant costs still apply.
Include fit-out, legal or moving costs. Exclude the refundable bond.
Restricted cash, with no investment return. Assumed returned in full at each hypothetical exit.
Nominal cost at the hypothetical exit. Enter separately from the refundable bond.
A fixed annual scenario, not live CPI or a forecast.
An editable scenario; initial works do not create automatic value uplift.
Before tax and after investment fees. Returns apply to opening funds before year-end savings.
Your premises comparison
Compare buying with leasing and investing
Compare equivalent business premises with the same starting resources and annual external budget. Enter your costs; results update automatically, before tax.
Start with these figures
- Purchase price
- Buying and loan setup costs
- Owner operating costs a year
- Annual lease face rent
- Deposit when using a loan
The complete manual comparison is free. Investment returns apply before year-end savings. A refundable bond is restricted cash, not working funds.
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