Calculator methodology
Cash vs Equipment Finance Calculator: Methodology
The calculator estimates equipment-finance repayments/cost and shows how much cash remains available by financing rather than paying the full purchase price.
Calculation approach
- The optional return on retained cash is a sensitivity only and is not a forecast.
- GST, depreciation, tax deductions and residual asset value are deliberately excluded.
- Use post-purchase working-capital needs when deciding how much cash to retain.
What the calculator deliberately does not decide
The calculator does not select a lender, predict approval, expose lender policy or provide personal financial or tax advice. It is a transparent comparison tool so you can test structure before seeking a quote.
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Use the enquiry form for an initial broker review. No lender application is made just by enquiring.
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General information only. It is not personal financial, tax or legal advice. Finance approval, pricing and structure are subject to lender assessment and your circumstances.