Equipment calculator

Buy outright or finance?

Compare paying cash for a machine, vehicle or tools with spreading the cost. Use the price and the finance quote you have.

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 We do not publish rates or fees: use the ones from your quote.

For example 120,000

From your quote

A lump sum you pay at the end. It lowers each repayment but you still owe it.

Good to know

  • This is a guide only, not a quote or financial or tax advice. It does not include tax, GST/VAT, depreciation, insurance or running costs; ask your accountant how each option affects your tax.
  • Paying cash costs nothing in interest, but it uses money you might need for stock, wages or a bad season. Financing keeps that cash in the business and costs interest and fees.
  • If you choose a balloon, plan now for how you will pay it at the end.

Ask us about equipment finance Cash-flow planner

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