Free calculator

Break-even calculator

See whether a financed purchase pays for itself: what it brings in each month against the repayment and running costs.

Worked out only in your browser; nothing is sent or saved. We do not publish rates or fees: use the ones from your own quote.

For example a machine at 60,000

From your quote

Your own estimate of what the purchase brings in

Fuel, servicing, insurance and so on

What these numbers mean
  • The big number is your net benefit each month: extra profit or savings, minus running costs and the loan repayment.
  • Months to earn back the deposit shows how long that net benefit takes to repay your deposit.
  • If the number is below zero, the purchase does not reach its break-even point during the loan on these numbers.

Good to know

  • The extra profit and running costs are your own estimates, assumed to stay the same each month.
  • Fees, tax and what the item is worth at the end of the loan are not included.
  • Months to earn back the deposit counts only the net benefit after the repayment.
  • This is a guide only, not a quote, an offer of finance, a borrowing limit or financial, legal or tax advice.

Ask us about business finance Buy or finance equipment? Cash-flow planner

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