Equipment Financing Calculator
Monthly payment, total interest and financing share of cost for your equipment loan.
Model v1.0.0 · Data generated 2026-10-01 · 0 benchmark metrics
Select a scenario to pre-fill realistic defaults for that facility type.
Anonymous, bucketed. We only store your decision profile (size, tier, scenario, result band) — never your inputs or identity.
Total Financed Cost
$146,514
50% confidence · model v1.0.0
Financing summary
$108,000 financed at 9.0% APR over 60 months → $2,242/month; $26,514 total interest (22% of equipment cost).
Down payment leverage
Raising the down payment toward 20% would save roughly $2,430 in interest on these terms.
Compare against leasing
Run the same equipment through the lease-vs-buy comparison — leases bundle maintenance but rarely beat loan economics past the break-even year.
Compare Lease vs Buy →Assumptions
- • Default APR: 9% commercial equipment loans
- • Amortization: Fixed-rate, fully amortizing, monthly compounding
Limitations
- • Fees excluded — Origination/documentation fees (typically 1-3%) are not modeled.
- • No prepayment — Early-payoff interest savings depend on lender terms.
Data sources & method
This tool uses FitnessNav benchmark data: equipment useful life, maintenance %, energy consumption, pricing and scenario presets. Every assumption shown in the result references its benchmark metric. Benchmarks are verified over time through industry research — draft values are clearly flagged.
Equipment Financing Calculator — frequently asked questions
What is the monthly payment on financed gym equipment?
Every $100,000 financed at 9% APR over 60 months costs about $2,076/month on a standard amortizing schedule. Payments scale linearly with amount financed.
Does a bigger down payment save money?
Yes — every dollar paid upfront removes a dollar of principal plus its interest over the term, roughly $0.25 of interest per dollar at 9% APR over five years.
Are dealer fees included in the payment?
No — the model prices pure amortization. Add documented origination, delivery and installation fees to your equipment cost before calculating.
Is promotional 0% APR financing real?
Rarely — promotional zero-rate offers usually embed the interest in the invoice price. Compare total payback rather than the headline rate.