Equipment ROI Calculator
First Capital Business Finance
Compare three scenarios for your next equipment purchase: Doing Nothing (maintaining current operations), Paying Cash (purchasing outright), or Financing (leveraging with monthly payments). See which option maximizes your return.
Deal Basics
How far into the future to calculate your return. This directly affects your Total Net Benefit and ROI.
Purchase Details
The sticker price of the equipment before sales tax. This is the base price from the dealer or seller.
Your local sales tax rate
Shipping, freight, or installation fees charged separately from the equipment price. Leave at 0 if the dealer includes delivery in the purchase price.
Any other one-time costs to get the equipment operational: permits, operator training, site preparation, rigging, or custom modifications.
What could you sell this equipment for at the end of your analysis period? Check similar used equipment listings for a realistic estimate. This value is added to your total ROI.
Financing Details
The upfront cash you will put down on the equipment. This is your initial out-of-pocket investment. If you don't know yet, use 10% of the equipment price as a starting point.
Total project cost minus down payment
The monthly payment amount from your lender quote or financing proposal. If you don't have a quote yet, contact us and we can help estimate this for you.
One-time fees charged by the lender at closing: documentation fee, underwriting fee, origination fee, courier fee, etc. Check your financing proposal for these. Leave at 0 if unknown.
Monthly payment x loan term
Income & Savings from Equipment
New Revenue
How much new income will this equipment generate that you are not earning today? This is additional revenue directly created by having this equipment.
The total additional monthly income this equipment will bring in. For example: if you can take on 5 new jobs at $3,000 each, enter $15,000.
Current Costs This Equipment Replaces
What are you currently spending each month that this equipment will eliminate or reduce? These costs become your savings when you own the equipment — and they're also what you keep paying if you do nothing.
What you currently pay each month to rent equipment or outsource work that this equipment would handle in-house. Example: $5,000/mo renting a mini excavator.
Monthly labor costs that would be eliminated by this equipment. Example: paying 2 extra workers $1,750/mo each to do manually what this machine does = $3,500.
New Operating Costs
What new monthly expenses come with owning this equipment? Only include costs that do not exist today — expenses you will start paying once you own this equipment.
Total NEW monthly costs: fuel/energy, insurance premiums, scheduled maintenance, operator wages (if hiring someone new), storage fees, etc. Do NOT include your loan payment — that is calculated separately.
(New Revenue + Current Cost Savings - New Operating Costs) before loan payment
First Capital Business Finance | Equipment Financing Specialists
This calculator provides estimates for illustration purposes. Actual results may vary.