Try this site where you can compare quotes from different companies: WWW.ANNUITY-HELP.US How to calculate the values for PV cost of leasing and PV cost of owning? I'm so frustrated with this portion of lease financing and business valuation. Ok, I know the way to calculate the net advantage to leasing is PV cost of leasing minus PV cost of owning but how are the values for PV cost of leasing and PV cost of owning even gotten in the first place? What formula do you use to get PV cost of leasing? What formula do you use to get PV cost of owning?