Car Leasing Calculator — July 2026
Calculate the net monthly leasing instalment, total cost with buyout and the deductible VAT.
net monthly instalment
PLN 3,280
- Sum of lease payments
- PLN 130,073
- Total cost (with buyout)
- PLN 131,273
Deductible VAT: PLN 30,193 (at 100% deduction).
Instalments are net — 23% VAT is added to each. For mixed use (car used privately and for business) you deduct 50% VAT; for business-only use, 100%.
How to use the leasing calculator?
Enter the net vehicle value, initial payment, lease term, buyout and interest rate. The calculator shows the net monthly instalment, the sum of lease payments, the total cost including the buyout and the VAT you can deduct — so you can compare leasing against a car loan.
Często zadawane pytania
How is a leasing instalment calculated?
The net instalment uses the annuity formula with a residual (buyout) value: the amount financed (vehicle value minus initial payment) is amortized toward the buyout amount. All amounts are net — 23% VAT is added on top.
What is the buyout?
The buyout (wykup) is the amount you pay at the end of the lease to own the vehicle. A low buyout means higher instalments; a high buyout lowers instalments but leaves a larger final payment.
How does VAT work on leasing?
Every net payment carries 23% VAT. For mixed use (car used privately and for business) a company deducts 50% of the VAT; for business-only use, 100% (Article 86a of the VAT Act).
Operating vs finance lease?
The two differ in how instalments and depreciation are booked for tax (Articles 17a–17l CIT / 23a–23l PIT). Operating lease is the most common for cars; the calculator models the net instalment either way.
