Who it is for
Anyone financing equipment, a vehicle, or working capital.
Business and Money · Calculator · Free
The real cost of that truck, machine or loanEquipment & Loan Payment Calculator
Monthly payment, total interest, and what the thing actually costs by the time you own it. Plus a full payoff schedule.
Runs in your browser. Nothing to install. Save the result or embed it on your site.
Your numbers
Revenue this thing produces, or the cost it removes.
What that means
Monthly payment: $945.08
$945.08
Monthly payment
$56,705 paid over 60 months
$11,705
Total interest
26.0%
Interest as percent of price
$1,254.92
Nets you monthly
20.5 months
Pays for itself in
What you borrowed$45,000
What the bank keeps$11,705
Payoff schedule (every 6 months)
| When | Interest | Principal | Balance |
|---|---|---|---|
| Month 1 | $356.25 | $588.83 | $44,411.17 |
| Month 6 | $332.57 | $612.51 | $41,396.33 |
| Month 12 | $302.89 | $642.19 | $37,618.06 |
| Month 18 | $271.78 | $673.30 | $33,656.74 |
| Month 24 | $239.16 | $705.93 | $29,503.49 |
| Month 30 | $204.96 | $740.13 | $25,149.01 |
| Month 36 | $169.10 | $775.99 | $20,583.56 |
| Month 42 | $131.50 | $813.58 | $15,796.91 |
| Month 48 | $92.08 | $853.00 | $10,778.35 |
| Month 54 | $50.75 | $894.33 | $5,516.64 |
| Month 60 | $7.42 | $937.66 | $0.00 |
Estimate only. Your lender's fees, insurance requirements and prepayment terms change the real number.
What this assumed
- Standard fixed-rate amortization with equal monthly payments.
- No fees, insurance, taxes or balloon payments are included.
Runs in your browser. Nothing you type is sent anywhere.
Not financial advice
This is an illustration, not personalized financial advice. It does not account for your full financial picture, and nobody here is your financial advisor. Talk to a licensed professional before acting on a number from a free calculator.
You ran this on August 21, 2026. Rates and rules change, so check the date before you rely on a saved copy.
What this tool actually does for you
The problem it points at
The dealer sells you the monthly payment. Nobody says the total out loud.
What you walk away with
The full number before you sign, and a schedule you can keep.
How to use it
Takes about two minutes. Be honest with the numbers, the tool is not going to tell anybody.
- Enter the amount financed, rate and term.
- Read the monthly payment and total interest.
- Check whether the thing pays for itself at that payment.
Put this tool on your own website
Free forever. I host it. You keep it.
This is a real lead magnet you can run on your own site tonight. Somebody lands on your page, plays with the numbers, sees what their problem costs, and now they are on your website instead of a competitor's. Costs you nothing, and I keep it working.
- Scroll up and press Put this tool on my website. The code appears right there, no form.
- Copy the one line you get.
- In your website editor, add an Embed, HTML or Custom Code block on whatever page you want it on.
- Paste it in, save, publish.
- Check it on your phone, then send people to that page.
Works on
WordPress, Wix, Squarespace, Shopify, GoDaddy, Webflow, Duda, HubSpot, ClickFunnels, or plain HTML. Anywhere that takes an embed code.
What it costs you
Nothing. No monthly fee, no expiring trial, no watermark you have to pay to remove. If you get stuck putting it in, text me at (903) 500-8898 and I will help you place it.
Part of these collections
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Now imagine the whole website doing real work.
Map the pages, lead capture, follow-up, and reporting that should sit behind your offer. The result is a recommendation, not a guaranteed outcome.