Break-Even Calculator
Use your rent, rate, term, and down payment assumptions to estimate when ownership may overtake leasing.
Break-even inputs
Break-even results
Monthly rent: $9,500
Estimated monthly ownership payment: $10,632
Upfront down payment: $130,000
Estimated break-even: No break-even with current inputs
This is an estimate for educational purposes. Actual terms vary by lender and borrower profile.
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Answering “should I buy or lease my building?”
Break-even is one of the most practical ways to compare leasing vs buying a building for business use. This helps decision makers evaluate timing, not just total cost.
Break-even FAQ
What is break-even month when buying a building?
It is the estimated month where cumulative ownership advantage offsets the initial down payment compared with leasing.
Why does break-even sometimes not appear?
If monthly ownership cost is higher than rent using your assumptions, there may be no break-even point in the model.
Should I still buy if break-even is long?
Possibly. Some buyers prioritize control, long-term stability, and potential appreciation beyond a short payback window.