[bombcar]

You can almost certainly lease if you really want to but the usual benefit is more enjoyed by a company (no capital expense, only operating expense, defined, and steady).

As an individual, you can get the exact same laptop for $333.25/mo (for 12 months) right now with 3% cash back and 0% interest on the Apple Card. That's only a little over twice the monthly cost, and you're done in 12.

Sometimes you can find pay over 24 or even 36 which would make it even lower. Add in AppleCare and you're probably ahead as an individual.

Business taxes and others change this, or if you KNOW you will need it only for a year, or must have the latest and greatest every time.

(Our OP spends 3780€ over 3 years and doesn't even own it at the end; but the financial tax advantages can be huge and make it worth it, so much so that founders sometimes will make TWO companies, one to buy the capital item and lease it to the actual startup.)