Start / Machinery and application / Machinery cost

Buy, finance, rent or lease

See which way of having the machine costs less per hour worked, over the same period of use.

Pre-sizing and estimating tool: the results do not replace a design, calculation, or report signed by a qualified professional, nor verification against the applicable standards.

Preliminary estimateRevision 12/11/2026
Purchase and useful life
Financing
Leasing
Rental and opportunity cost

The default values are examples. Use the actual terms of the lenders and rental companies in your region.

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—Buy, finance or rent
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Cost per hour of each option

Cost per hour of cash purchase, financing, leasing and rental, with the hours entered.

Tap the chart to see the values.

Annual cost by hours worked

Annual cost of each option for 100 to 2,000 hours per year; the rental line crosses the others at the break-even point.

Tap the chart to see the values.

What if the data changes?

Drag the controls to simulate data different from what you entered (from 30% less to 30% more) and watch the result change instantly.

Tap the chart to see the values.

Cost per hour by hours worked

Cost per hour of each way of having the machine for different hours of use per year, with the conditions entered.

Step by step with your numbers

The calculation done in steps, with the values you entered.

    The calculation memo gathers this page's inputs, results, equations, assumptions, and references, with fields for project, responsible person, and review. The full report also includes the charts and interpretations, in color. In the print window, choose Save as PDF.

    How to use

    Enter the machine's price and residual value, the useful life, and the hours worked per year. Then fill in the financing, leasing, and hourly rental conditions, if any. The calculator shows the cost per hour of each option.

    Worked example

    R$ 300,000 machine, residual R$ 90,000, useful life of 8 years, 800 hours per year, opportunity interest of 10%, and maintenance of R$ 12,000 per year. Financing with a 20% down payment, 12% per year over 5 years. Leasing of R$ 6,000 per month over 60 months, with a buyout of R$ 30,000 at the end. Rental of R$ 180 per hour.

    Cash purchase = 26,250 + 19,500 + 12,000 = R$ 57,750 per year, or R$ 72.19/h. Financing = R$ 53,735 per year, or R$ 67.17/h. Leasing = R$ 60,750 per year, or R$ 75.94/h. Rental = R$ 144,000 per year, or R$ 180.00/h.

    Precautions

    • Check the total cost of each option, including insurance, fees and taxes, not just the instalment or the hourly rate.
    • To compare only purchase with maintenance, see the buy or keep the machine.
    • For the full hourly cost of your own machine, see the machine hourly cost.

    Method, assumptions, and references

    Equations used

    Cash purchase (R$/year) = (Price − Residual value) ÷ Useful life + Opportunity interest × (Price + Residual) ÷ 2 + Maintenance
    Financing (R$/year) = (Price − Residual) ÷ Useful life + Down payment × Opportunity interest + Total loan interest ÷ Useful life + Maintenance
    Leasing (R$/year) = (Installment × Months + Buyout value at end) ÷ Useful life + Maintenance
    Rental (R$/year) = Rental per hour × Hours worked per year

    Assumptions and limits

    • Financing under the Price system, with a fixed monthly payment and a monthly rate equivalent to the annual rate entered.
    • Opportunity interest on own capital tied up in the purchase and the down payment.
    • Rental per hour without operator or fuel; maintenance included in the rental.
    • Comparison over the same useful life period. If the lease ends earlier, the remaining use must be added separately.

    Standards and technical documents

    • Actual financing, lease and rental terms from banks and rental companies in your region (current quotes).

    Frequently asked questions

    Why can hourly rental cost more?

    Because the rental company must cover the machine, maintenance and profit in each hour. It usually pays off when the machine works only a little each year.

    Is leasing the same as financing?

    No. In leasing, the company uses the machine by paying installments, and at the end it can return it, renew it, or buy it at the residual value. In financing, the machine is yours from the start.

    How many hours per year make buying worthwhile?

    It depends on the rates and the prices. The annual cost-by-hours chart shows the point where renting costs more than buying.

    Does interest cost weigh heavily on a cash purchase?

    It matters. Even without financing, the capital tied up has an opportunity cost, and it goes into the calculation.