Cash Purchase vs Equipment Finance Calculator
Compare the financing cost of an equipment purchase with the cash and working capital retained by financing it.
Your assumptions
Comparison
Enter your figures and calculate. Results are estimates, not a quote or credit decision.
How to use the result
The optional retained-cash return is a user-entered sensitivity, not a forecast. Tax depreciation and GST are deliberately excluded.
Use the result to test working-capital preservation, not to assume finance must outperform cash.
Read the calculation methodology and assumptions.
If the numbers justify a closer look, send the transaction details for an initial broker review.
Compare equipment-funding structuresGeneral information only. Calculator results are estimates and do not account for every fee, tax outcome, contract feature or lender rule. Finance approval and pricing are subject to lender assessment.