Payment
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Finance agreement
Loan, hire purchase or lease — enter the lender's own figuresCash price of the equipment, or the amount you want to borrow.
Paid up front, not financed.
% p.a.
The quoted rate, before fees. Nothing is assumed — use the lender's number.
Equipment leases are usually in advance — it lowers the payment.
Lump sum due at the end. Leave 0 if none.
Overpayments
Optional — see the term and interest you would saveAdded to every scheduled payment. Check your agreement allows it without a charge.
Affordability check
Your own figures — nothing is assumed about your businessBefore this finance cost.
%
Set your own limit. There is no universal rule; lenders and sectors differ.
Display & report header
Currency, dates and the details printed on the reportResult
—Total interest
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Affordability
Payment converted to a monthly equivalentOverpayment outcome
Contractual schedule vs. schedule with your extra paymentsCharts
Every value is labelled in text — colour is never the only signalAmortisation schedule
—| # | Date | Opening balance | Payment | Interest | Principal | Closing balance |
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Compare up to three offers
Same asset price, deposit, frequency and timing as the Calculator tab — only the finance terms changeTotal cost of ownership, ranked
Deposit + all payments + balloon + any fee paid up front| Rank | Offer | Rate | Term | Fees | Balloon | Payment | Total interest | Effective rate | Total cost | vs. best |
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