Come funziona il leasing?

Il leasing e un contratto con cui una societa finanziaria acquista un bene e lo concede in uso dietro pagamento di canoni periodici. Alla scadenza, l'utilizzatore puo riscattare il bene pagando il valore residuo. E diverso dal noleggio perche prevede l'opzione di acquisto finale.

Che differenza c'e tra leasing e finanziamento?

Nel leasing il bene resta di proprieta della societa finanziaria fino al riscatto; nel finanziamento diventi subito proprietario. Il leasing ha vantaggi fiscali per le imprese (canoni interamente deducibili). Il finanziamento e piu semplice per i privati.

Il leasing auto per privati conviene?

Per i privati il leasing auto conviene se si vuole cambiare auto spesso (ogni 3-4 anni) e si preferisce un costo certo mensile senza pensieri sulla svalutazione. Non conviene se si intende tenere l'auto a lungo, perche il costo totale e superiore all'acquisto diretto con finanziamento.

Leasing Payment Calculator 2026 – Calcolatori Gratis

In-depth

How the Leasing Payment Calculator Works

The leasing payment calculator is the ideal tool for anyone evaluating a car, real estate, or equipment leasing contract. It lets you accurately calculate the monthly payment considering all contract parameters: asset value, down payment, duration, interest rate, and residual value.

What Leasing Is and How It Works

Leasing is a financial lease agreement in which a company (the lessor) purchases an asset and makes it available to the lessee in exchange for periodic payments. At the end of the contract, the lessee can exercise the purchase option and become the owner of the asset by paying a predetermined amount, or return the asset.

Elements of a Leasing Contract

Asset value: the purchase price of the asset (car, property, equipment) including or excluding VAT depending on the tax regime
Down payment (initial large installment): the first payment, generally between 10% and 30% of the asset value, which reduces the amount to be financed
Contract duration: typically 24 to 60 months for cars, up to 144 months for real estate
Interest rate (nominal annual rate): the nominal annual rate applied to the financing; always compare the APR as well, which includes all costs
Residual value: the amount to purchase the asset at the end of the contract, usually between 1% and 15% of the initial value

Car Leasing: What to Know

Car leasing is very popular for both businesses and individuals. For businesses and professionals, it offers significant tax advantages: lease payments are deductible from business income (20% for non-essential vehicles, 80% for sales agents, 100% for essential business vehicles). VAT is deductible at 40% (100% for essential business vehicles). For individuals, leasing can be convenient when you prefer to drive a new car every 3-4 years without worrying about depreciation.

Leasing vs. Long-Term Rental

It is important to understand the differences:

Leasing: you pay a down payment + installments + optional purchase option; insurance and maintenance are your responsibility; at the end you can become the owner
Long-term rental: all-inclusive monthly fee (insurance, maintenance, road tax, roadside assistance); no purchase option; you always return the vehicle

Our calculator helps you compare the two options by calculating the total effective cost of the lease, which you can then compare with long-term rental quotes.

Real Estate Leasing

Real estate leasing is an alternative to a mortgage for purchasing a primary residence, particularly advantageous for those under 35: the law provides a 19% tax deduction on lease payments up to 8,000 euros per year and on the purchase price up to 20,000 euros. For those over 35, the thresholds are halved. Compared to a mortgage, leasing does not require a lien on the property.

How to Use the Calculator

Enter the asset value, the percentage or amount of the down payment, the duration in months, the interest rate, and the residual value. The calculator will show you the monthly payment, the total cost of the lease, the total interest paid, and a detailed amortization schedule. Compare different scenarios by adjusting the down payment or duration to find the solution that best suits your needs and budget.