Equipment Finance Calculator
Estimate repayments on equipment finance in Australia, for vehicles, machinery, fit-out or tools. Adjust the amount, rate and term. A balloon (residual) at the end lowers the regular repayment.
How we estimate this
Equipment finance lets a business fund vehicles, machinery, fit-out or tools and pay them off over a term, usually 1 to 7 years. Common structures are a chattel mortgage, a finance lease or a rental/operating lease.
Pricing reviewed: October 2026.
Doing more than just equipment finance?
Build a combined estimate across every part of your project in one place.
Understanding equipment finances in Australia
Equipment finance lets a business fund vehicles, machinery, fit-out or tools and pay them off over a term, usually 1 to 7 years. Common structures are a chattel mortgage, a finance lease or a rental/operating lease.
Repayments depend on the amount, rate and term. A balloon (residual) payment at the end lowers the regular repayment but leaves a lump sum to pay or refinance. The structure affects the tax treatment, so check with your accountant.
Frequently asked questions
How is equipment finance calculated?
From the amount, interest rate and term, like any loan. A balloon payment at the end reduces the regular repayment but must be paid or refinanced when the term ends.
What is the difference between a chattel mortgage and a lease?
With a chattel mortgage the business owns the asset from day one; with a lease the financier owns it and the business rents it. The structure affects the tax treatment, so ask your accountant.
Are you a finance broker?
Everyone on this page is working out what equipment finance costs because they are ready to hire. Put your business right beneath the calculator, in your state, so you are who they find. From $50/mo.