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Lease vs. Buy Calculator

Compare the true cost of leasing a space against owning it — over your full hold period.

The Space

Size sq ft

Analysis term years

If You Lease

Base rent $/SF/yr

Rate period

Annual rent increase optional

% compounded each year

Free rent months

Tenant improvement allowance $/SF, landlord-paid

If You Buy

Purchase price land + construction

Total acquisition — land plus construction / build-out costs.

Initial renovation / fit-out upfront

One-time buildout paid at closing — added to your upfront cash.

Down-payment scenarios % of price · each plots a curve

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Scenario A drives the headline numbers. Toggle B and C to compare leverage on the chart.

Mortgage rate % / yr

Amortization years

Appreciation % / yr

Extra mortgage payment optional

Paid straight to principal — shortens the mortgage and cuts total interest.

Over 10-year term

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Lease — total cost—

Buy — net cost (after equity)—

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Lease — total cost

gross rent over term

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Buy — net cost

cash out − equity

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Buy — total cash out

incl. upfront cash

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Break-even

owning turns cheaper

Contact us to discuss these numbers

We'll pressure-test them against live market rates, available space, and financing.

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Lease — monthly

year 1

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Own — monthly

mortgage P&I

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Principal — month 1

builds your equity

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Interest — month 1

cost of financing

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Upfront cash

due at close

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Amount financed

mortgage principal

PrincipalInterest

Year-by-year breakdown

Year	Lease — annual	Lease — cumulative	Buy A — net cum	Interest paid (cum)	Property value	Equity

Estimates only. Provided by WHITNEY & Company Realty Limited, Brokerage for general information. Results are illustrative and based solely on the assumptions you enter — they exclude income taxes, depreciation/CCA, financing fees, vacancy, inducements beyond those shown, transaction/selling costs at disposition, and discounting beyond the appreciation and escalation rates entered. "Buy — net cost" assumes the property is sold at its appreciated value with the outstanding mortgage repaid. Actual outcomes vary. This is not financial, tax, legal, or investment advice — consult WHITNEY & Company Realty Limited, Brokerage and your own advisors before acting. All figures in Canadian dollars (CAD).