Commercial Property Lease or Buy Analysis Calculator

This Commercial Property Lease or Buy Analysis Calculator examines the classic "Do we lease a commercial property or do we buy it?" scenario. It can help business owners to make the right decision by providing the sophisticated financial analysis to identify the financial advantage of one alternative over the other.

Note: You will get $299 FREE bonus (see the table below) when you purchase the Commercial Property Lease or Buy Analysis Calculator.

Free Bonus Value
1. Lifetime Free Update $299
Total Bonus $299

This Lease or Buy calculator suits not only business owners but also consultants. The Commercial Property Lease or Buy Analysis Calculator compares leasing costs and purchase costs in one analysis. The principal focus of the analysis is to choose the alternative that satisfies the business needs at the least net cost. To determine this, the present value of the after-tax cost and benefits of owning the property is compared with the after-tax cost of leasing the space. All other things being equal, the course of action with the least net cost is chosen. Because lease payments, operating expenses, depreciation and interest are deductible expenses, the analysis is made on an after-tax basis.

When performing the cost/benefit comparison across 30 years, the Commercial Property Lease or Buy Calculator factors in variables such as build cost, rental, outgoings, mortgage, purchase / selling cost, borrowing expenses, depreciation, risk, opportunity cost etc. It also considers the scenario if parts of the property are to be leased to other parties.

The Commercial Property Lease or Buy Calculator is co-developed with an Associate Member of the Australian Property Institute (AAPI) who has more than 25 years experience in the commercial, office, industrial and retail property industry. It has also been checked by a certified accountant.

Commercial Property Rent or Buy Analysis Calculator

Here are the screen shots that will give you a better idea that what you need to do and how this Commercial Property Lease or Buy Calculator can help you as a business owner.

Lease or Buy Analysis Calculator

View full size image of Commercial Property Lease or Buy Calculator

Lease or Buy Analysis Calculator - 30 Years Details

View full size image of Commercial Property Lease or Buy Calculator - 30 Years Details

According to the article "Buy or Lease? Commercial Property Decisions" by Wayne E. Etter and Fred F. Caldwell, buying generally has a higher risk than leasing a commercial property. This is becase "Business enterprises need space to conduct their business activities, but in most cases, real estate is not their principal business. If the firm leases needed space, it can adjust the amount of leased space as market requirements change. If the firm owns real estate, adapting quickly to changes in the market may be more difficult because of the time required to plan and construct a property or to buy a property when more space is needed or to sell the property when less space is needed. A retailer, for example, may prefer to lease space so that store locations can be changed in response to market shifts."

Refund Policy: If you are having issues with a product and need assistance with downloading and/or using the product, please contact us before you ask for a refund as we are confident that we will be able to resolve the issues. If we cannot help you, full refund will be offered within 30 days from the date of purchase. Negative Gearing Calculator will do our best to satisfy all refund requests from customers in a courteous, timely, and fair manner. Again, it will be very much appreciated if you can let us to rectify any issues you are having before asking for a refund.

Buy Now

The Calculator will be sent to you via email.

Cost: $299

Your Email Address:

File Type
.xlsb - Excel Spreadsheet


File Size

Microsoft Excel® 2007 & above for Microsoft Windows®
Microsoft Excel 2011 & above for Mac

Please use the Contact Form if you have questions.

All the calculators are built in Microsoft Excel spreadsheet. You need to have Microsoft Excel 2010 & above and Microsoft Windows to use them.


All the Calculators are built for residential rental properties. Using any calculator from Negative Gearing Calculator for commercial property investment (e.g. retail shop, office etc) is at your own risk. All the information and calculators are for general information and education purposes only. Neither Negative Gearing Calculator nor our partners should be liable for any direct or consequential loss or damages arising to you or any third parties as a result of relying on the information or calculators provided on this website.

By using this website (including downloading or purchasing calculator from this website), you agree to our Terms & Conditions. If you do not agree with our Terms & Conditions, please DO NOT use this website and DO NOT download or purchase calculator from this website.