WattShed Tally
Three offers on the table. One honest way to line them up.
Add every offer a household actually holds: a cash price, a loan as written, a lease with its own escalator, however many are on the table. Set one comparison horizon in months, and see each offer totaled over that same window. This is arithmetic over offers you entered as written, computed in this browser; nothing you enter is stored or sent anywhere.
Cash, loans, and leases are not the same kind of thing, and this tool refuses to pretend they are. Unlike things stay unlike here: ownership, escalation, and end-of-term are named differences on every card, not footnotes underneath a single total.
Informational only. This is not financial advice, no offer here is endorsed, and WattShed does not name any lender or provider.
Build the offers
A card for every offer on the table
Nothing is prefilled. Add each offer you have, cash, loan, or lease. Switching the kind changes which fields show; the label stays yours to edit and nothing already typed is lost.
No offers yet. Add one below, or load the example to see the tool with data already in it.
Comparison horizon
One window, every total
Compare totals over the same window. Lengthen it to see full terms.
Result
Add at least one complete offer on the left to see a comparison.
Arithmetic over the offers you entered above, as written, compared on the horizon you set. Informational only, not financial advice, no offer here is endorsed, and no lender or provider is named by WattShed.
Related tools
Comparing unlike things
Why unlike offers mislead.
The escalator that compounds quietly
A lease payment can start lower than a loan payment and still end up costing more, because an annual escalator compounds every year of a long term. A percentage applied once looks small on the page. Applied every year for twenty or thirty years, it adds up to a total the first monthly number never hinted at.
The horizon that flatters short terms
Compare offers over a short window and the option with the shortest term looks cheapest almost by default, because a longer offer keeps accruing cost past the cutoff. Set the horizon to the longest term on the table instead, and the same offers can rank in a different order entirely.
Who owns the equipment, when
Paying cash means owning the equipment outright from day one. A loan means owning it while still repaying. A lease can mean paying for decades without ever owning it, unless a buyout is priced in and paid. That difference belongs on the card next to the number, not in a footnote underneath it.
A cheapest total here doesn't make an offer the right choice in every sense, and it isn't advice to take it. It confirms only the arithmetic over the offers you entered, compared on the same horizon.