Your upfront cash
See how the down payment and any costs paid at purchase affect the cash your business needs on day one.
PLAN YOUR CAPITAL
Equipment financing calculator.
Plan the purchase and the payments. See what you’ll need upfront, each month, and at the end of the loan.
WESTWIND CAPITALMonthly paymentOver 60 months
Financing costTotal interest + lender fees
Total cash outlayUpfront cash + all loan payments
- Upfront cash needed
- $30,000.00
- Final installment
- $2,549.32
Loan balance over time
Explore how your financing changes over time.
Months since funding · Balances shown every 5 months and at the end of the projection.
Your total cash outlay
Total in USD- Equipment & purchase costs
- $150,000.00
- Total interest
- $32,978.67
- Lender fee
- $0.00
Includes the down payment and purchase costs paid upfront. Purchase costs are separate from the cost of financing.
Repayment schedule
Excludes upfront cash. Interest and payments are rounded to cents; the final payment clears the balance.
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $2,549.65 | $1,549.65 | $1,000.00 | $118,450.35 |
| 2 | $2,549.65 | $1,562.56 | $987.09 | $116,887.79 |
| 3 | $2,549.65 | $1,575.59 | $974.06 | $115,312.20 |
| 4 | $2,549.65 | $1,588.71 | $960.94 | $113,723.49 |
| 5 | $2,549.65 | $1,601.95 | $947.70 | $112,121.54 |
| 6 | $2,549.65 | $1,615.30 | $934.35 | $110,506.24 |
| 7 | $2,549.65 | $1,628.76 | $920.89 | $108,877.48 |
| 8 | $2,549.65 | $1,642.34 | $907.31 | $107,235.14 |
| 9 | $2,549.65 | $1,656.02 | $893.63 | $105,579.12 |
| 10 | $2,549.65 | $1,669.82 | $879.83 | $103,909.30 |
| 11 | $2,549.65 | $1,683.74 | $865.91 | $102,225.56 |
| 12 | $2,549.65 | $1,697.77 | $851.88 | $100,527.79 |
| Full projection | $152,978.67 | $120,000.00 | $32,978.67 | $0.00 |
Month 1–12 of 60
Put your plan into motion.
Explore funding that fits your business.
Illustrative estimate, not an offer. Actual terms depend on your business and lender.
Models a fixed-rate equipment loan with monthly payments beginning one month after funding. This is not a lease calculator. No tax deductions, depreciation, residual resale value or early repayment charges are modeled. Input ranges are for planning, not eligibility.
Your monthly payment
Adjust the down payment, rate and term to find a monthly commitment that fits the planned purchase.
Your final installment
If your offer has a balloon, include it so that the larger final payment is part of your plan from the start.
YOUR QUESTIONS, ANSWERED
A little more
clarity.
Get to know the assumptions behind your estimate.
What makes up the amount financed?
We start with the equipment price, subtract your down payment, and add any purchase costs and lender fees you choose to finance. Interest is charged on that loan balance. The calculator assumes the purchase is funded as a loan, not a lease.
Can I include taxes, delivery and installation?
Yes. Open “Purchase costs, fees & balloon” and enter the total additional purchase costs from your quote. Choose whether to finance them or pay them upfront. No tax rate is estimated automatically, and whether a lender finances these costs depends on the offer.
How is the lender fee calculated?
The one-time fee is a percentage of the loan before lender fees: equipment price minus the down payment, plus any financed purchase costs. You can pay it upfront or add it to the loan. A financed fee also incurs interest.
How does a final balloon change the payment?
A balloon leaves part of the balance to be repaid at the end, lowering the regular monthly payment. It is due in addition to the final regular installment, so the last payment is larger. The calculator shows that final installment and includes it in the schedule and total cash outlay.
Does this estimate leasing costs or tax savings?
No. It models a fixed-rate equipment loan with monthly payments. It does not calculate lease rentals, purchase options, depreciation, tax deductions or an equipment resale value.
What is the difference between total outlay and financing cost?
Total cash outlay includes the equipment, purchase costs, interest and lender fees, including any amount you pay upfront. Financing cost includes only interest and lender fees. It does not treat the equipment purchase price or taxes as a borrowing charge.