Equipment calculator
Equipment financing and operating benefit.
Compare financing cost, residual value, operating benefit, running costs, and optional tax effects.
Compare with an ETF
Shows what the same cash flows would produce in an ETF. Machine costs become ETF contributions; operating gains require withdrawals.
Development over time
Equipment, financing, and net result
All equipment cash flows use business signs: benefits and tax savings are positive; acquisition, financing, interest, maintenance, additional tax, and debt are negative. Depreciation itself is non-cash and changes only the optional tax estimate; residual value is shown separately.
Good questions before signing
Are there account, valuation, broker, or document fees?
What happens with early repayment or refinancing?
Which costs can be passed on to tenants?
Can special repayments reduce interest without fees?