Equipment Financing vs Paying Cash — Free Comparison Calculator
Compare financing a piece of equipment against paying cash: monthly payment, cash impact, and break-even. Free tool — estimates only, nothing promised.
Finance it or pay cash?
Compare the monthly cash impact of financing a purchase against paying outright, using the added revenue or savings you expect the equipment to produce.
Enter your own estimate — actual rates vary.
Your own estimate — nothing is promised.
Financing term
Estimated payment
$1,121
60-month term
Monthly cash impact
+$1,079
added benefit minus payment
Break-even
6 mo
down payment recovered
Total financed cost
$73,257
down payment + all payments
An estimate for planning only, based on the numbers you enter. Added revenue or savings are your assumptions — nothing here promises a result. This is not a rate quote, an offer, or an approval. FundPath is not a lender.
FundPath is not a lender and does not make credit decisions. Calculator results are planning estimates based entirely on the values you enter, using standard formulas. They are not rate quotes, offers, approvals, preapprovals, or promises of any outcome. Actual rates, terms, and criteria are set by individual lenders and are subject to underwriting. This tool is general educational information, not financial, legal, or tax advice.