Equipment & Orders

Free tool

Equipment Financing Calculator

See what a piece of equipment really costs three ways: financed, leased, or paid in cash. You'll also see how much working capital you keep by not writing the check up front.

  • 2-minute tool
  • Free, no signup
Equipment & Orders
$150,000
Working capital preserved
$3,041Monthly payment
$182,488Total cost over term
$49,272Tax savings over term

Financing this $150,000 machine over 60 months at 8% costs about $23,700 more after tax than paying cash, and keeps the full $150,000 in the business.

What you get

The real cost of financing, leasing, or paying cash

Paying cash for equipment feels cheapest until you count the working capital it drains. Enter the equipment cost, term, down payment, your rate or lease rate, the residual, and your tax rate, and the calculator lays out the total cost of financing, leasing, and paying cash next to each other, including the cash you keep in the business by not paying up front.

  • Total cost of financing, leasing, and cash on your actual equipment and terms
  • The working capital you preserve by not paying cash, and what it's worth
  • No signup. The full calculator runs right here

The tool

Run your numbers

Equipment Financing

Finance the equipment, or pay cash?

See the monthly payment, the true cost over the term, and — most importantly — how much working capital you keep in the business by financing instead of paying cash.

Structure
Equipment cost
$
Down payment · optional
$
Term
months
Interest rate · APR
%

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The Flow

One working-capital decision every other week. Which asset to borrow against, what a facility costs all-in, or how to make payroll before your customer pays, in a two-minute read.

Bi-weekly. 26 issues a year.