Equipment Finance Calculator. A clearer first-pass view.
Compare the repayment and cash-flow effect of an equipment-finance deposit, term, rate, fees, business use, and end-of-term balloon.
Show the trade-off between lower repayments today and a larger residual obligation at maturity, with GST timing kept visible.
Asset and equipment finance balloon calculator
See how a deposit and balloon change repayments, total interest, GST timing and first-year cash flow.
Change any assumption to update the result instantly.
Calculated from the assumptions entered on this page.
Asset price less deposit, plus financed fees.
Calculated with a 20% balloon over 5 years.
The final amount still payable or refinanced at maturity.
Total scheduled payments plus balloon, less amount financed.
Scheduled repayments and balloon, excluding the upfront deposit.
Business-use share of GST where GST registration is selected.
Deposit and first-year repayments, less the indicative GST credit.
- • GST treatment depends on the finance structure, tax invoice, registration, accounting basis and business use; confirm it with an accountant.
- • The model does not calculate depreciation, income-tax deductions, early-payout adjustments or the asset's future market value.
Keep the source figures visible
Asset and deposit
GST-inclusive price, upfront contribution, and financed fees.
Rate and term
Indicative fixed rate and finance period.
Balloon
The percentage of asset price left payable at maturity.
GST context
Business-use share and GST-registration selection.
Turn inputs into a reviewable signal
Repayment and balloon
Monthly payment and the residual amount due at maturity.
Total interest
Scheduled finance cost over the entered term.
GST indication
An indicative business-use GST component where selected.
First-year cash outlay
Deposit and first-year payments less the indicative GST credit.
$180,000 equipment purchase
A GST-registered business contributes $20,000 and finances the balance plus $1,250 of fees for five years with a 20% balloon.
The $161,250 amount financed with a $36,000 balloon produces an indicative monthly repayment of approximately $2,802.
Principal-and-interest payment before the balloon.
Due at maturity or subject to a new arrangement.
Across scheduled payments and the balloon.
Move from raw figures to a better review conversation
The tool organises an early scenario. Keep the evidence, assumptions, and professional review attached to the result.
Enter the asset purchase
Add the invoice price, deposit or trade-in, and financed fees.
Shape the repayment
Change the term and balloon to see their repayment and interest effect.
Plan the maturity
Keep the end balloon visible and decide how it would be paid, refinanced, or supported by disposal.
Keep the result in context
Repayments are modelled monthly at a fixed rate.
The balloon is calculated as a percentage of the GST-inclusive asset price and capped at the amount financed.
The indicative GST credit assumes the ordinary GST fraction and the entered business-use percentage.
Depreciation, income-tax deductions, early payout, maintenance, and resale value are outside this calculation.
Useful for equipment suppliers & business advisers
Show the trade-off between lower repayments today and a larger residual obligation at maturity, with GST timing kept visible.
About the Equipment Finance Calculator
Use these answers to understand the tool's purpose before relying on its indicative output.
How does a balloon change equipment-finance repayments?
A larger balloon leaves more principal until maturity, which generally lowers scheduled repayments but increases the amount still due and may increase total interest.
Is the balloon included in total interest?
The balloon is included in total paid. Total interest is calculated as all scheduled payments plus the balloon less the amount financed.
Is the GST credit guaranteed?
No. Eligibility and timing depend on the transaction, tax invoice, registration, accounting basis, finance structure, and business use.
Use the calculator, then keep the assumptions attached to the result.
The result is an indicative workflow signal. Broker, adviser, valuer, accountant, and lender review still applies to the full scenario.