Equipment Financing Calculator
Calculate monthly payments and total financing cost for equipment purchases.
Equipment Financing Calculator
Estimate monthly payments and total cost to finance equipment.
Enter financing details
Your Results
Amortization schedule
| Period | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $1,565 | $905 | $660 | $71,095 |
| 2 | $1,565 | $914 | $652 | $70,181 |
| 3 | $1,565 | $922 | $643 | $69,259 |
| 4 | $1,565 | $931 | $635 | $68,328 |
| 5 | $1,565 | $939 | $626 | $67,389 |
| 6 | $1,565 | $948 | $618 | $66,441 |
| 7 | $1,565 | $956 | $609 | $65,485 |
| 8 | $1,565 | $965 | $600 | $64,520 |
| 9 | $1,565 | $974 | $591 | $63,546 |
| 10 | $1,565 | $983 | $583 | $62,563 |
| 11 | $1,565 | $992 | $573 | $61,571 |
| 12 | $1,565 | $1,001 | $564 | $60,570 |
| 13 | $1,565 | $1,010 | $555 | $59,559 |
| 14 | $1,565 | $1,019 | $546 | $58,540 |
| 15 | $1,565 | $1,029 | $537 | $57,511 |
| 16 | $1,565 | $1,038 | $527 | $56,473 |
| 17 | $1,565 | $1,048 | $518 | $55,425 |
| 18 | $1,565 | $1,057 | $508 | $54,368 |
| 19 | $1,565 | $1,067 | $498 | $53,301 |
| 20 | $1,565 | $1,077 | $489 | $52,224 |
| 21 | $1,565 | $1,087 | $479 | $51,137 |
| 22 | $1,565 | $1,097 | $469 | $50,040 |
| 23 | $1,565 | $1,107 | $459 | $48,934 |
| 24 | $1,565 | $1,117 | $449 | $47,817 |
| 25 | $1,565 | $1,127 | $438 | $46,689 |
| 26 | $1,565 | $1,137 | $428 | $45,552 |
| 27 | $1,565 | $1,148 | $418 | $44,404 |
| 28 | $1,565 | $1,158 | $407 | $43,246 |
| 29 | $1,565 | $1,169 | $396 | $42,077 |
| 30 | $1,565 | $1,180 | $386 | $40,897 |
| 31 | $1,565 | $1,191 | $375 | $39,706 |
| 32 | $1,565 | $1,201 | $364 | $38,505 |
| 33 | $1,565 | $1,212 | $353 | $37,292 |
| 34 | $1,565 | $1,224 | $342 | $36,069 |
| 35 | $1,565 | $1,235 | $331 | $34,834 |
| 36 | $1,565 | $1,246 | $319 | $33,588 |
| 37 | $1,565 | $1,258 | $308 | $32,330 |
| 38 | $1,565 | $1,269 | $296 | $31,061 |
| 39 | $1,565 | $1,281 | $285 | $29,780 |
| 40 | $1,565 | $1,292 | $273 | $28,488 |
| 41 | $1,565 | $1,304 | $261 | $27,184 |
| 42 | $1,565 | $1,316 | $249 | $25,867 |
| 43 | $1,565 | $1,328 | $237 | $24,539 |
| 44 | $1,565 | $1,341 | $225 | $23,199 |
| 45 | $1,565 | $1,353 | $213 | $21,846 |
| 46 | $1,565 | $1,365 | $200 | $20,480 |
| 47 | $1,565 | $1,378 | $188 | $19,103 |
| 48 | $1,565 | $1,390 | $175 | $17,712 |
| 49 | $1,565 | $1,403 | $162 | $16,309 |
| 50 | $1,565 | $1,416 | $150 | $14,893 |
| 51 | $1,565 | $1,429 | $137 | $13,464 |
| 52 | $1,565 | $1,442 | $123 | $12,022 |
| 53 | $1,565 | $1,455 | $110 | $10,567 |
| 54 | $1,565 | $1,469 | $97 | $9,099 |
| 55 | $1,565 | $1,482 | $83 | $7,617 |
| 56 | $1,565 | $1,496 | $70 | $6,121 |
| 57 | $1,565 | $1,509 | $56 | $4,612 |
| 58 | $1,565 | $1,523 | $42 | $3,088 |
| 59 | $1,565 | $1,537 | $28 | $1,551 |
| 60 | $1,565 | $1,551 | $14 | $0 |
How this loan calculator works
The Equipment Financing Calculator in figflows is designed to give you a fast and practical estimate without requiring an account or sending your data to a server. You can explore different scenarios by changing inputs and immediately seeing how the outputs respond.
We keep the experience static-first and SEO-friendly: the page content is pre-rendered at build time, and only the calculator itself runs on the client. That approach keeps the site fast while still delivering interactive results.
Use this page as a planning tool: start with realistic inputs, then adjust one variable at a time to understand what matters most. If you’re using this calculator for budgeting, it’s often helpful to run a “best case,” “expected,” and “worst case” scenario and compare the deltas.
Quick steps
- Enter your inputs in the form above. You can adjust values to compare scenarios.
- We compute results instantly in your browser (no server calls), so your inputs stay on your device.
- Use the output cards to understand the “headline” result, then review the breakdown/table for details.
Limitations & important notes
Loan offers depend on lender terms, fees, and underwriting. Use this as a planning tool and confirm details with your lender.
For the most accurate outcome, confirm assumptions (rates, fees, coverage details, and thresholds) against current official sources or provider documents. We’ll continue improving the underlying reference datasets over time.
Practical guidance for Equipment Financing Calculator
Equipment financing vs. paying cash
Equipment financing spreads the cost of an asset over time. This calculator helps you estimate payment and total cost so you can compare financing to paying cash, leasing, or delaying the purchase.
It’s especially useful when the equipment drives revenue (a vehicle, machine, or critical tool). The right question isn’t just “can I afford it?”—it’s “does it generate enough value to justify the payment?”
How to make the estimate more realistic
- Include down payment if required (reduces payment but uses cash).
- Model maintenance costs and insurance alongside the payment.
- If revenue is seasonal, test a slow-month scenario.
- Consider resale value when evaluating total cost.
Equipment Financing FAQ
What down payment is typical?
Down payments vary by lender and equipment type, but 0–20% is common.
Do equipment loans have amortization schedules?
Yes—many equipment loans amortize with fixed payments over a set term.
How does term length affect payment?
Longer terms typically lower the monthly payment but can increase total interest paid.
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