64TEQ
Talk to us

64TEQ Tools Buy, lease or device as a service

Buy, lease or device as a service · free, runs in your browser

Buy, lease or device as a service, on your numbers.

The finance director wants a monthly number, IT wants the kit owned and the DaaS brochure says it is all included. This puts the three next to each other on your numbers: the total over the cycle, the monthly equivalent, what each does to your cash and what each takes off, or leaves on, your plate.

Buy, lease or device as a service

Three ways to pay for the same laptops, side by side.

Put in how many devices, what they cost and how long you keep them. We show the total over the cycle and the monthly equivalent for buying outright, leasing and device as a service, with every assumption where you can change it.

On paper buying is usually cheapest and DaaS usually dearest; the difference is what each one does to your cash and your workload. The numbers here are yours, not ours: we don't know your lease rate or your support cost, so we start with typical figures and you overwrite them. Runs in your browser.

£
£
£
£
Residual value is what the devices fetch at the end, as a share of the price: it reduces the lease payments and comes back as resale if you bought. Breakages are the share of devices replaced each year outside warranty; DaaS usually includes accidental damage.

The total over the cycle and the monthly equivalent for each of the three appear here, with the cash pattern and what each one hands to you or takes off your plate.

How it works

Four steps, no account.

Enter the basics

How many devices, what each costs and how many years you keep them.

Adjust the assumptions

Lease rate, residual value, your real support cost per device, the DaaS price you have been quoted, disposal cost and how many break each year. Typical figures are pre-filled; overwrite them.

Compare

Buying, leasing and DaaS side by side with the total, the monthly equivalent and a breakdown of where the money goes in each.

Price it properly

The arithmetic is yours; the quotes are ours. We price all three against live stock and real finance terms, with no obligation.

Straight answers

Questions about this tool.

Which one is cheapest?
On paper, buying, nearly always. Leasing costs the interest; DaaS costs the interest plus someone else's time. The question is what the cash and the time are worth to you, which the notes under the result try to put a number on.
What is a realistic residual value?
Around ten per cent of the purchase price for three or four-year-old business laptops sold through a proper route, less if they are battered or the data wipe is left to the end. Twenty per cent and above is optimistic.
What does DaaS usually include?
The device, imaging and enrolment, support, accidental damage cover, a swap when one fails and collection and wiping at the end. Read the contract for the exceptions: batteries, lost devices and adding units mid-term are where the differences hide.
What about tax?
Buying usually qualifies for capital allowances in the year of purchase; leasing and DaaS are normally operating costs spread over the term. That changes the after-tax answer and it is a question for your accountant, not this page.
Can 64TEQ offer all three?
Yes: outright supply, leasing through our finance partners and device as a service on either our own or the manufacturers' programmes. We show you the same three numbers we show you here, with real prices in them.

Next

More you can do now.

Plan a device refreshCarbon cost of a refreshCheck stockHardware and infrastructureAll the tools

Take the result to a person.

This tool is part of our hardware and infrastructure work. A specialist reads what you found and says what we would do next, and if the answer is nothing, we say that.

Message a specialist on WhatsApp → Speak to a person · 0203 858 0264 Email michelle.nayee@64teq.com