Equipment Financing Calculator
Monthly payment, total interest and financing share of cost for your equipment loan.
Model v1.0.0 · Data generated 2026-10-08 · 0 published reference values
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 is a calculation model, not a database lookup. It runs arithmetic on the numbers you enter, using an explicit formula and a small set of documented default assumptions (service intervals, energy prices, useful life). Every assumption it applies is listed in the result, and each one is a default you can overwrite.
We do not hold a benchmark dataset. FitnessNav operates no gyms, runs no fleet, and has never collected equipment telemetry, so there is no measured useful-life, maintenance-rate or downtime distribution behind these models. The default assumptions come from published manufacturer documentation and standard trade practice, and they are labelled as assumptions \u2014 not as findings. Treat the output as a structured way to think about a decision, and replace every default with your own numbers before it leaves your desk. If a vendor hands you a benchmark, ask for the sample size and the age of the machines in it.
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.