Farm Equipment Loan Calculator
Free farm and ag equipment financing toolkit: tractor and combine loan payments, leases, lease vs buy, and ROI. Defaults match a mid-size tractor package—change the numbers to your quote.
Farm Equipment Loan Calculator
Equipment Loan Calculator
Calculate monthly payments, total interest, and see your complete amortization schedule.
$
$19,000 (20.0%)
7.90%
72 months (6.0 years)
Loan Summary
Loan Amount
$76,000
Down Payment
$19,000 (20.0%)
Loan Results
Enter equipment details to see loan calculations
Farm Equipment Lease Calculator
Equipment Lease Calculator
Calculate lease payments using factor rates, residual values, and end-of-lease options.
$
2.400% (4.8% APR equiv.)
Factor rate is the lease cost per dollar of equipment value. Lower is better.
Typical range: 0.015-0.040. Enter as a decimal (e.g., 2.5% = 0.025). Rates above 0.040 are considered high-risk pricing.
48 months (4.0 years)
$23,750 (25.0%)
Estimated equipment value at lease end. Higher residual = lower payments.
Lease Summary
Equipment Cost
$95,000
Residual Value
$23,750 (25.0%)
Factor Rate
2.400%
Lease Term
48 months
Lease Results
Enter equipment details to see lease calculations
Lease vs Buy Calculator
Lease vs Buy Comparison
Compare equipment financing options side-by-side to make the best decision.
$
Loan Options
$19,000 (20.0%)
7.90%
72 mo (6.0 yr)
Lease Options
2.400%
48 mo (4.0 yr)
$23,750 (25.0%)
Quick Summary
Equipment: $95,000
Loan Amount: $76,000
Residual: $23,750 (25.0%)
Enter equipment details to compare financing options
Equipment ROI Calculator
Equipment ROI Calculator
Calculate return on investment, payback period, and revenue projections for equipment purchases.
$
$
$
72 months (6.0 years)
Profit Summary
Monthly Profit
$4,300
Annual Profit
$51,600
• Revenue: Income generated by using this equipment
• Expenses: Operational costs (maintenance, fuel, labor, etc.)
• Analysis shows equipment's financial performance over time
ROI Analysis
Enter equipment details to see ROI analysis
Need farm equipment lender quotes?
Use these modeled payments to get matched with lenders that finance tractors, combines, and implements.
Farm financing notes
- Manufacturer captive rates and conventional bank/credit-union notes are different products. Model both.
- Used hours matter as much as model year. Lenders haircut residual on high-hour combines fast.
- Seasonal skip-pay lowers winter cash strain and raises total interest. Run it before you sign.
Related: Construction / heavy equipment · Skid steer payments · Equipment lease rates