Rate & Fees
Ask whether the rate is fixed or variable and add establishment, account and early-exit fees.
Free calculator · every assumption editable
Equipment Finance Calculator Australia
Estimate machinery repayments using the amount, frequency, term and annual rate you choose. Start with a live HeavyBook price guide or enter your own amount.
Your Assumptions
Build Your Repayment Estimate
Start with a HeavyBook guide or enter the amount you expect to borrow.
Optional · HeavyBook Only
Register Your Interest
Considering equipment finance? Leave your details so HeavyBook can understand demand and let you know if broker introductions become available.
This is not a finance application. Your details stay with HeavyBook, and fresh consent will be requested before anything is shared with a broker.
Before you commit
Compare the Whole Deal, Not Just the Payment
A smaller regular payment can still cost more overall. Put each option on the same term and frequency, then compare the rate, fees, balloon and total repayable.
Balloon or Residual
A balloon can reduce each payment but leaves a larger amount due at the end of the term.
Total Repayable
Compare the full amount paid over the term, not a weekly or monthly figure in isolation.
Equipment Fit
Check age, condition, seller type and intended use against each provider's lending criteria.