Equipment Finance Calculator
Estimate repayments for machinery or equipment, including a contribution, realistic fees and an optional balloon.
- Free to use with no signup
- No impact on your credit score
- Clear estimates you can adjust
Reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 24 August 2026 · About Corey
Range $5,000 – $1,000,000
Percentage of the amount financed due at the end.
Important information
General estimate only, not a quote, approval, tax calculation or financial advice. Actual lender pricing, fees and structures can differ.
Detailed assumptions and limitations
- The balloon starts at 0%, is capped at 50% and remains payable at the end.
- The establishment fee is financed and the monthly account fee is added to each repayment.
- Weekly and fortnightly results are monthly equivalents and may differ from lender schedules.
- Tax, GST, depreciation, insurance, maintenance and asset resale value are excluded.
FAQ
Asset finance numbers explained.
Use the result to compare structures, then check the full lender quote including fees and the final balloon.
It estimates repayments using the purchase price, contribution, rate, term, balloon and fees you enter. It does not calculate tax effects.
It is an agreed amount left owing at the end of the term. A balloon usually lowers scheduled repayments but increases the total interest and creates a final payment.
Yes. Enter the net trade-in equity as the contribution, after any existing payout has been deducted.
No. It is a general estimate. Available rates, terms, balloon limits, fees and approval depend on the lender, asset and applicant.
Explore equipment finance, truck finance or car finance.
Genuine settled outcomes
Related case studies
$33,000
A used CNC plasma cutter replaced outsourced workshop jobs
Approved on the first lender enquiry and settled at a historical rate of 11.1%. The machine was installed and smaller cutting jobs moved in-house.
Read the outcome
$105,000
A John Deere tractor structured around the harvest cycle
Approved on the first lender enquiry and settled at a historical rate of 8.89%, with seasonal repayments and a 20% balloon preserving cash during planting.
Read the outcome
$26,000
A failed forklift replaced through a fast-document pathway
Approved on the first lender enquiry at a historical rate of 9.19%; the facility settled and the replacement forklift was delivered two days later.
Read the outcome