Equipment finance calculators
Work out what equipment really costs to finance, then see how the Section 179 deduction could change the picture. Every calculator shows its formula and its sources.
Equipment loan calculatorMonthly payment, total interest and a year-by-year schedule for an equipment loan, with optional balloon payment, sales tax and fees.Equipment lease calculatorEstimate a lease payment from cost, term, rate and residual, or enter the payment you were quoted to see the full cost.Equipment loan vs lease calculatorCompare the net cost of buying with a loan against a true lease over the same term, before and after estimated tax savings.Section 179 deduction calculator (2026)Estimate your Section 179 deduction using the 2026 limits: $2,560,000 maximum, $4,090,000 phase-out and the $32,000 heavy SUV cap. Guides
Section 179 in 2026: Limits, Rules and What ChangedThe 2026 dollar limit, phase-out, SUV cap and business income limit, with IRS sources, plus how bonus depreciation fits in.Equipment Loan vs Lease: How to Think About ItHow loans and leases differ in ownership, cost and taxes, including the IRS test for lease versus purchase.Equipment Financing Quote ChecklistQuestions to ask before you sign: fees, balloon payments, end-of-term options, prepayment and what the contract calls the deal.
How this site works
The math is standard: the same loan formula your lender uses, a lease estimate built the same way, and a Section 179 estimate built from the current IRS limits. Tax figures come from IRS publications, linked on each page. Where we make an assumption we label it. See the methodology.
Common questions
What is the Section 179 limit for 2026?
For tax years beginning in 2026 the maximum Section 179 deduction is $2,560,000. It starts to shrink dollar for dollar once the equipment you place in service in the year costs more than $4,090,000. The cap for heavy sport utility vehicles is $32,000. Source: IRS Rev. Proc. 2025-32.
Is this tax advice?
No. Everything here is an estimate for planning. Your tax situation, your state and the exact wording of your financing agreement all matter. Ask a qualified tax professional before you rely on a deduction.
By James J. Updated October 2026. Results are estimates for planning, not quotes or tax advice. See methodology.