Equipment Lease Calculator

Estimate repayments before you commit — indicative only, no obligation.

Enter an amount between $5,000 and $200,000 (ex GST).
Standard finance lease terms for equipment.

Indicative only. This tool is not an approval or formal quote. Figures include the standard fees and charges used for this pricing tier and may change at assessment.

Your estimated

monthly instalment

$0.00

Based on a $30,000.00 purchase over 60 months (ex GST).

Indicative only — we’ll confirm what’s realistic before anything proceeds.

Confirm my estimate

If you’d like, we can sanity-check the numbers and explain the cleanest next step.

No obligation. Consent first.

Request a call-back to confirm your estimate

Share your details and we’ll reply with the cleanest next step. No obligation.

Frequently Asked Questions

  • This calculator provides an indicative monthly repayment based on common equipment lease terms used in Australia. It’s designed to give you a reliable estimate, but the final approval amount will always depend on your business profile, time in trading and the lender’s assessment.

  • You can use it for nearly all commercial equipment, including machinery, tools, vehicles, hospitality equipment, gym equipment, technology, medical devices, construction gear and more. If it’s business-use equipment, the calculator applies.

  • Just two things:

    • The purchase price (excluding GST)

    • Your preferred lease term (24–60 months)

    The calculator instantly estimates monthly repayments using standard lease factors.

  • Yes — the estimates include the standard fees typically built into equipment leasing structures. If you want a fully itemised quote, you can request one after calculating your repayment.

  • You can estimate repayments over 24, 36, 48 or 60 months. These are the most common terms used for equipment leasing in Australia.

  • Yes. A finance lease usually keeps ownership with the lender during the term, while a rent-to-own agreement provides a pathway to ownership. A chattel mortgage is a loan where the business owns the asset from day one. This calculator specifically estimates finance lease repayments.

  • No. Calculating repayments is 100% credit-score safe. We never run credit checks unless you choose to proceed with an application and explicitly agree to it.

  • Yes — but your actual approval outcome will depend on how long you’ve been trading, your financials and the type of equipment. New ABNs can get finance, but the terms may differ.

  • Yes. Whether you’re in construction, hospitality, fitness, manufacturing, retail, transport or professional services, the calculator uses industry-wide lease structures suitable for most commercial equipment.

  • After you estimate your repayments, you can submit the quick quote form. We’ll review your scenario, run it through the correct lender criteria and confirm your personalised options — usually within the same day.