Equipment Loan Calculator
Estimate monthly loan payments, total paid, and finance charges for business equipment using editable price, down payment, term, and rate assumptions.
Free equipment planning tools
Business equipment costs explained in plain English
Calculator-heavy equipment planning for small businesses comparing loans, payments, financing, leasing, renting, buying, operating costs, maintenance, downtime, repair-or-replace decisions, warranties, service contracts, replacement timing, and total cost of ownership.
Popular equipment cost calculators
Equipment Payment Calculator
Quickly estimate a possible equipment payment and compare how price, term, down payment, and rate affect monthly cash flow.
Equipment Lease vs Buy Calculator
Compare lease and buy scenarios for business equipment using editable loan, lease, maintenance, residual, and upfront assumptions.
Equipment Rent vs Buy Calculator
Compare renting and buying equipment based on expected use days, rental rate, ownership period, maintenance, storage, and resale assumptions.
Equipment Operating Cost Calculator
Estimate operating cost per hour and per month using fuel or power, maintenance, consumables, labour, insurance, storage, and service assumptions.
Equipment Total Cost of Ownership Calculator
Estimate equipment total cost of ownership by adding acquisition, operating, maintenance, setup, insurance, downtime, and resale assumptions.
Equipment Repair or Replace Calculator
Compare repair and replacement scenarios using entered repair cost, downtime, expected life, resale, and maintenance assumptions.
Equipment Downtime Cost Calculator
Estimate downtime cost from lost output, labour, emergency rental, rush service, rework, and customer delay assumptions.
What equipment costs can include
Business equipment cost planning is not just the purchase price or monthly payment. A useful plan separates acquisition, financing, lease or rental terms, setup, training, operating cost, maintenance, downtime, warranty coverage, service contracts, utilization, resale value, and replacement timing.
| Cost area | Examples to review |
|---|---|
| Acquisition | Price, down payment, taxes, fees, delivery, installation, setup, training, and trade-in credit. |
| Financing or leasing | Rate, term, monthly payment, fees, balloon payment, residual, buyout, return conditions, and approval requirements. |
| Operating | Fuel, power, water, consumables, labour, inspections, storage, insurance, permits, and service access. |
| Risk and lifecycle | Downtime, maintenance history, repair costs, warranty limits, service response, resale value, replacement timing, and backup options. |
Planning by business category
Commercial Kitchen Equipment Cost Planning
Plan commercial kitchen equipment costs using vendor quotes, installation needs, ventilation, utilities, maintenance, downtime, training, and financing questions.
Laundromat Equipment Cost Planning
Plan laundromat equipment costs using washer, dryer, payment system, utility, water, ventilation, service, downtime, and replacement assumptions.
Warehouse Equipment Cost Planning
Plan warehouse equipment costs using racking, handling, packing, safety, maintenance, training, downtime, and utilization assumptions.
Shop Equipment Cost Planning
Plan shop equipment costs for small production, repair, fabrication, and service operations without assuming one industry average.
Office Equipment Cost Planning
Plan office equipment costs for printers, copiers, phone hardware, desks, meeting equipment, and other non-software business assets.
Cleaning Equipment Cost Planning
Plan commercial cleaning equipment costs using purchase, lease, repair, downtime, consumables, service, and replacement assumptions.