Euro Equipment Leasing Calculator: monthly cost across Europe
Enter the equipment value and term to see an indicative monthly rental in euros at 6.5%. Oak Leasing arranges equipment leasing in 30+ European countries through local funders, typically from €100,000 to €10 million.
- Indicative rate 6.5%
- €100k–€10m typical deals
- 30+ countries
- 40+ funders
Type any amount from €10,000 to €10 million, or use the slider.
Indicative rate 6.5% a year. All figures exclude VAT. VAT treatment, stamp duty and registration rules vary by country and are confirmed with the local funder.
- Equipment value€250,000
- Paid upfront€4,865.18 (1 rental)
- Total rentals€291,911.04
- Total finance charge€41,911.04
Indicative only and not an offer of finance. Subject to status and funder credit approval.
Your quote
- Equipment value
- Term
- Rental
- Total rentals
- Rate
We will email these figures to you. A Funding Director will only follow up if you tick the box to request a firm quote.
How the figure is worked out
The calculator spreads the equipment cost into equal monthly rentals over the term at an indicative 6.5% a year. Leases are quoted the way funders write them: 1 + 59 means one rental paid upfront followed by 59 monthly rentals (60 in total); 3 + 57 means three rentals upfront followed by 57. Paying three upfront lowers each rental slightly. Leases across Europe are usually written by a funder in the country where the equipment is used, in local currency. For countries outside the eurozone (for example Sweden, Denmark, Poland or Switzerland), ask a Funding Director for a quote in local currency.
Worked example: €250,000 of equipment
| Term | 1 rental upfront | 3 rentals upfront | Total rentals (1 +) |
|---|---|---|---|
| 36 months | 1 + 35: €7,620.97 | 3 + 33: €7,542.78 | €274,355 |
| 48 months | 1 + 47: €5,896.80 | 3 + 45: €5,835.65 | €283,046 |
| 60 months | 1 + 59: €4,865.18 | 3 + 57: €4,814.41 | €291,911 |
| 84 months | 1 + 83: €3,692.36 | 3 + 81: €3,653.55 | €310,158 |
Illustrative at 6.5%, excluding VAT. Not a quotation.
Why quote a monthly figure?
For businesses
Keep cash and bank lines free, fix the cost for the term and pay for equipment from the income it earns.
For vendors
A monthly rental is an operating decision, not a capital project. Quoting it next to the price closes deals faster. How leasing increases sales.
Pricing in sterling?
Use the UK equipment leasing calculator, or read the complete guide to equipment leasing.
Calculator FAQs
How is the euro rental calculated?
The calculator spreads the equipment cost over the term at an indicative 6.5% a year, in equal monthly rentals. Choose a 1 + profile (one rental upfront, for example 1 + 59 over five years) or a 3 + profile (three rentals upfront, for example 3 + 57). Paying three upfront gives a slightly lower monthly rental.
What do 1 + 59 and 3 + 57 mean?
They are payment profiles. 1 + 59 means one rental is paid when the lease starts, followed by 59 monthly rentals: 60 in total over five years. 3 + 57 means three rentals upfront and 57 monthly. The same pattern applies to other terms, for example 1 + 35 or 3 + 33 over three years.
Is 6.5% the rate I will pay?
Not necessarily. 6.5% is a guide. The firm rate depends on the lessee's credit, the asset, the term and the country, and is set by the local funder. Comparing 40+ funders often produces pricing below this guide on larger deals.
Which countries does this cover?
Oak Leasing coordinates equipment leasing across 30+ European countries, including Germany, France, the Netherlands, Belgium, Italy, Spain, Portugal, Ireland, Austria, the Nordics and Central and Eastern Europe. Each lease is written locally, with one point of contact.
What is the minimum and maximum deal size?
Transactions typically run from €100,000 to €10 million. Smaller deals from around €10,000 are considered only within an established vendor programme. Large-asset refinance and sale and leaseback run up to €100 million per transaction.
Can I email the quote to myself?
Yes. Press “Email me this quote”, add your details and we will email the figures to you. A Funding Director will follow up only if you ask us to.
Want a firm quote?
Tell us the asset and where it will be used. We will place it with the funder best suited to your deal, for the best terms and conditions.