🗓️ Last updated: May 2026·Calculation assumptions shown below
🚛 Owner-Operator Tool

🚛 Truck Lease vs. Buy Calculator

Lease or buy? Compare total cost, monthly cash flow, and tax impact over 3–5 years.

💳 Purchase Option
📋 Lease Option
📊 Shared Costs
Total Cost to Buy
Total Cost to Lease
Monthly Buy Payment
Monthly Lease Payment
Better Option
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Frequently Asked Questions

Is the Truck Lease vs. Buy Calculator for Owner-Operators | free to use?
Yes — completely free with no account required. All QuicklyFig calculators are funded by display advertising so you never pay to use them.
How accurate are these results?
Results are based on industry-standard formulas and current benchmarks. They are estimates for planning and decision-making purposes. Verify with professionals or suppliers for binding commitments.
Can I save or share my calculation results?
Use the 'Email My Results' button to send your calculation directly to your inbox. You can also print any page from your browser with Ctrl+P (Windows) or Cmd+P (Mac).