免费 租赁与购买对比计算器 电子表格模板
比较租赁与购买车辆或设备的方案。考虑折旧、残值和一段时间内的总拥有成本。
Upgrade your spreadsheet
Here is how you unlock a better version.
Essentials
- Full-featured Lease vs Buy Calculator with dashboard and detailed analytics
- Pre-filled subcategories, sample scenarios, and helper calculations
- Larger data capacity for real-world usage
$12 one-time
Ultimate Most complete
- Separate input sheets for buying (price, down payment, rate, term, residual) and leasing (cap cost, money factor, residual, term, fees)
- Dashboard with 6 KPI cards: 5-year buying cost, 5-year leasing cost, net advantage, monthly payment comparison, down payment required, and break-even year
- 5-year comparison table showing cumulative costs for buying vs leasing year by year with net difference each year
$19 one-time
包含内容
- 仪表盘显示租赁与购买对比，包括租赁总成本、购买总成本和净差额
- 计算器包含租赁输入（月付款、期限、费用）和购买输入（价格、利率、首付款）
- 月成本对比表，显示累计租赁付款与累计贷款付款的对比
- 拥有期间的总成本，购买方案包含折旧、利息和残值
- 残值和净值考虑因素，带色彩编码的输入单元格用于有序的租赁与购买分析
- 适用于 Microsoft Excel、Google Sheets 和 LibreOffice Calc，无需任何设置
Free、Essentials 与 Ultimate - 有什么区别？
Free $0
- "Lease vs Buy" sheet with clearly labeled input cells at the top
- Live formulas - every result recalculates as you tweak inputs
- Compact output table so you can scan results without scrolling
- Step-by-step "How to Use" guide included in a second sheet
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc - no setup or sign-up
Essentials $12
- 包含 Free 的全部
- Full-featured Lease vs Buy Calculator with dashboard and detailed analytics
- Pre-filled subcategories, sample scenarios, and helper calculations
- Larger data capacity for real-world usage
- $12 one-time purchase, lifetime access
Ultimate $19
- 包含 Essentials 的全部
- Separate input sheets for buying (price, down payment, rate, term, residual) and leasing (cap cost, money factor, residual, term, fees)
- Dashboard with 6 KPI cards: 5-year buying cost, 5-year leasing cost, net advantage, monthly payment comparison, down payment required, and break-even year
- 5-year comparison table showing cumulative costs for buying vs leasing year by year with net difference each year
- Scenario comparison with 3 presets - Low Mileage, Average Use, and High Mileage - showing how usage affects the total cost of each option
租赁与购买对比计算器 模板的工作原理
Total cost comparison of leasing vs buying a vehicle over a fixed horizon. Open the spreadsheet, enter your own numbers, and let the formulas do the math.
此模板何时有用
- You are deciding between two financial options and need a quick number.
- You want to see how changing one input (rate, years, amount) shifts the result.
- You want a calculation you can save and revisit, not a one-shot web form.
- You want to tweak the math - this is a spreadsheet, not a black box.
充分利用的小贴士
- Keep the column labels simple - the formulas work best when categories are consistent month to month.
- Factor in residual regularly - once a week is a good rhythm for most people.
需要避免的常见错误
- Treating the result as a decision rather than an input. Calculators answer "what if" - the final call is yours.
- Mixing up annual and monthly rates. If a formula uses a monthly rate, divide the annual by 12 before entering.
- Ignoring taxes, fees, or assumptions. A result is only as good as the inputs you feed it.
如何使用这个租赁与购买对比计算器模板
1
输入租赁详情
输入每月租赁付款、租赁期限、首付款、费用和任何期末费用。
2
输入购买详情
添加车辆或设备价格、首付款、贷款利率、期限和预期转售或残值。
3
设定对比期间
输入对比的总拥有期限。计算器考虑购买选项的折旧和净值。
4
比较结果
仪表盘显示租赁与购买的总成本，包括购买方案中保留的净值价值。
由 Claude AI 构建，经我们精心打磨。
我们使用 Claude AI 在深入研究后起草每个模板。然后由团队接手，优化布局、全面测试每个公式、修复边界情况，并打磨设计，直到达到我们自己愿意使用的标准。AI 完成了 80% 的工作，最后 20% 靠的是人工判断。
Upgrade your spreadsheet
Here is how you unlock a better version.
Essentials
- Full-featured Lease vs Buy Calculator with dashboard and detailed analytics
- Pre-filled subcategories, sample scenarios, and helper calculations
- Larger data capacity for real-world usage
$12 one-time
Ultimate Most complete
- Separate input sheets for buying (price, down payment, rate, term, residual) and leasing (cap cost, money factor, residual, term, fees)
- Dashboard with 6 KPI cards: 5-year buying cost, 5-year leasing cost, net advantage, monthly payment comparison, down payment required, and break-even year
- 5-year comparison table showing cumulative costs for buying vs leasing year by year with net difference each year
$19 one-time
常见问题
购买选项是否考虑了转售价值？
是的。输入预期转售或残值。计算器将其从购买总成本中扣除，因为您保留了该部分净值。
维护费用差异呢？
租赁通常在整个期限内包含保修覆盖。如果维护成本不同，请在每个方案中作为单独项目添加。
哪个通常更便宜？
取决于具体条款、您保留车辆或设备的时间以及残值。计算器根据您的输入显示确切的成本差异。
是否适用于设备租赁？
是的。模板适用于车辆、设备或任何资产。输入您要比较的相关租赁和购买条款即可。
如何在 Google Sheets 中打开？
将 .xlsx 文件上传到 Google Drive，然后使用 Google Sheets 打开。所有公式和格式都会保留。
此模板使用什么许可证？
所有免费模板均采用 CC BY 4.0（知识共享署名）许可证发布。您可以自由使用、修改和分享，包括用于商业用途，只需注明来源为 FinancialAha.com。模板按原样提供，不构成财务建议。