Leasing calculator for containers
Monthly instalment, lease factor and total cost from purchase price, term, effective annual rate and residual value – compared directly with hire purchase, cash purchase and rental.
Leasing calculator
Enter purchase price, term and interest rate. The calculator shows the monthly instalment and compares leasing with hire purchase, cash purchase and – optionally – rental.
ⓘ Leasing is generally only available for new containers. For used containers, hire purchase is the more likely option – which is why the calculator shows it alongside. More on hire purchase →
Comparison over the term
| Option | Paid | Value you own at the end | Effective cost |
|---|
Hire purchase: same term and interest, no residual value; the container is yours at the end.
Annuity calculation with payment at the end of each month; the effective annual rate is converted into the equivalent monthly rate. Insurance, transport and tax effects are not included. Real offers sometimes assume payment at the start of the month and further fees. All results are orientation values without guarantee.
How to read the result
Lease instalment: the monthly amount you pay the lessor. It results from the financed amount (price minus down payment), the interest rate, the term and the residual value. The higher the residual value, the lower the instalment – but the residual value becomes due at the end if you take the container over.
Lease factor: the monthly instalment as a percentage of the purchase price. Providers often quote it instead of an interest rate. A factor of 3.0% means a €300 instalment on a €10,000 price. It makes quick comparisons possible – but only with the same term and residual value.
Effective annual rate: the interest burden expressed per year, including compounding within the year. The calculator converts it into the equivalent monthly rate. If a provider quotes only a nominal rate, the effective rate is slightly higher.
Effective cost: everything you pay, minus the value you own at the end. This figure makes leasing, hire purchase, cash purchase and rental comparable.
What the calculator does not include
- Insurance, transport, installation and maintenance – they are similar for all options.
- Tax effects: lease instalments are deductible as a business expense, a purchase is depreciated. The differences depend on your tax rate.
- Payment at the start of the month: some contracts calculate this way; the instalment is then slightly lower, but payments start earlier.
- Interest forgone on the capital tied up in a cash purchase.
Background on contract models, put options and tax is on the Leasing page; the comparison of all routes is under Buy & rent.