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Car leasing calculator — instalment & total costTable of contents
Business car leasing is a common way to finance a company vehicle. It offers predictable instalments and can be tax‑efficient, but the rules depend on lease type and how the car is used. Below are key points about costs, VAT and buyout.
The lessor finances the car and the company repays it in instalments. Most often you choose operating or finance lease, which differ in accounting and tax treatment.
Total cost includes:
Use the leasing calculator to estimate total cost.
VAT treatment depends on how the car is used (business only vs mixed). In practice check:
For passenger cars, tax rules introduce limits on deductible costs. With higher‑priced vehicles, part of the cost may not be fully deductible. Check current limits and consult accounting.
Down payment can be treated as a one‑off cost or spread over time depending on lease type and tax rules. Clarify with your accountant how it affects taxes and advances.
Leasing is available for sole traders, but requires creditworthiness checks. Documents usually include financial records and income data. The procedure is similar to business leasing, but often simplified.
Typically needed:
If the car is used both privately and for business, VAT and cost deductions are limited. This affects real cost and may require additional records.
Buyout can be done as business or privately depending on contract terms and tax plans. It affects VAT and PIT/CIT. See:
The choice depends on whether you want instalments as costs or depreciation. See:
Also check internal company rules (mileage limits, fuel policy) to align the lease with internal policies.
For comparison with other financing options:
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