Free Equipment Financing Calculators
Professional calculators for equipment loans, leases, ROI analysis, and tax deductions. Built by a 20+ year industry expert. All calculators are free, mobile-optimized, and require no signup or email.
Core Equipment Financing Calculators
Essential tools for evaluating equipment financing options, calculating payments, and maximizing tax benefits.
Equipment Loan Calculator
Calculate monthly payments, total interest, and see complete amortization schedules for equipment loans. Adjust loan amount, interest rate, and term to find the perfect financing solution.
Equipment Lease Calculator
Calculate lease payments using factor rates and residual values. Compare end-of-lease options including purchase, return, or extend. Perfect for businesses looking to preserve cash flow.
Lease vs Buy Calculator
Side-by-side comparison of leasing vs buying equipment. See total costs, monthly payments, and get recommendations based on your financial situation. Make informed financing decisions.
Equipment ROI Calculator
Calculate return on investment, payback period, and break-even analysis for equipment purchases. Project revenue, expenses, and see if your investment makes financial sense.
Section 179 Tax Deduction Calculator
Calculate Section 179 tax deductions and bonus depreciation for 2026. See federal and state tax savings, net equipment cost, and maximize your tax benefits on equipment purchases.
Industry-Specific Equipment Calculators
Pre-configured calculators with industry-specific equipment types, typical financing terms, and average costs.
Construction Equipment
Excavators, bulldozers, cranes, loaders, and heavy machinery financing calculators.
Medical Equipment
MRI machines, X-ray systems, ultrasound, dental equipment, and medical device financing.
Restaurant Equipment
Commercial ovens, refrigeration, kitchen equipment, and restaurant financing solutions.
Manufacturing Equipment
CNC machines, lathes, mills, 3D printers, and industrial equipment financing calculators.
Why Use EquipmentCalculators.com?
Built by Industry Expert
Created by a professional with 20+ years in equipment financing. These aren't generic calculators - they're built with real-world industry knowledge.
Always Free, No Catch
No email required, no signup walls, no hidden fees. Calculate as many times as you need. Your data stays private and isn't sold to lenders.
Mobile-First Design
Works perfectly on phones, tablets, and desktops. Calculate equipment financing from job sites, offices, or anywhere you need quick answers.
Understanding Equipment Financing Options
Equipment Loans
Traditional financing where you borrow money to purchase equipment outright. You own the equipment from day one and can claim depreciation tax benefits. Best for equipment with long useful lives.
- ✓ You own the equipment immediately
- ✓ Build equity with each payment
- ✓ Depreciation tax benefits
- ✓ No restrictions on use or modifications
- ✓ Typical terms: 3-7 years
Equipment Leases
Rent equipment for a fixed period with lower monthly payments. Options to purchase, return, or upgrade at lease end. Ideal for technology or equipment that depreciates quickly.
- ✓ Lower monthly payments
- ✓ Preserve working capital
- ✓ Easier to upgrade equipment
- ✓ 100% tax-deductible payments
- ✓ Typical terms: 2-5 years
Section 179 Deduction
IRS tax code allowing businesses to deduct the full purchase price of qualifying equipment in the year it's purchased, rather than depreciating over years. Massive tax savings potential.
- ✓ Up to $1,250,000 deduction (2026 limit)
- ✓ Applies to both new and used equipment
- ✓ Works with loans and leases
- ✓ Immediate tax savings
- ✓ Can combine with bonus depreciation
ROI Analysis
Calculate whether equipment purchase makes financial sense. Factor in revenue generation, operating costs, and payback period to make data-driven investment decisions.
- ✓ Project revenue vs expenses
- ✓ Calculate break-even point
- ✓ Determine payback period
- ✓ Compare multiple equipment options
- ✓ Make informed investment decisions
Popular Equipment Types for Financing
Construction
- • Excavators ($50K-$500K)
- • Bulldozers ($100K-$800K)
- • Cranes ($200K-$2M)
- • Backhoes ($30K-$100K)
- • Skid Steers ($20K-$70K)
Medical
- • MRI Machines ($1M-$3M)
- • CT Scanners ($500K-$2M)
- • X-Ray Systems ($50K-$500K)
- • Ultrasound ($20K-$200K)
- • Dental Chairs ($10K-$50K)
Manufacturing
- • CNC Machines ($50K-$500K)
- • 3D Printers ($10K-$500K)
- • Lathes ($20K-$200K)
- • Mills ($30K-$300K)
- • Injection Molding ($50K-$500K)
Transportation
- • Semi Trucks ($100K-$200K)
- • Box Trucks ($30K-$80K)
- • Dump Trucks ($100K-$200K)
- • Trailers ($20K-$60K)
- • Delivery Vans ($30K-$60K)
Ready to Calculate Your Equipment Financing?
Choose a calculator above to get started. No email required, instant results, completely free.