Free Tool
Asset Finance Calculator
Free Australian asset finance calculator · Instant repayment estimates
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CZM Financial Intelligence — Asset Finance Calculator
Loan Details
$
% p.a.
60 periods total (12/yr)
P&I = principal + interest. IO = interest only, principal due at end.
Balloon / Residual & Fees
Balloon / Residual Payment
ATO max residual: 65.63% (5yr) · 56.25% (4yr) · 46.88% (3yr)
$
Capitalise fees into loan
ON — fees added to principal & attract interest. OFF — fees paid upfront separately.
% p.a.
Manual entry — not calculated. For quoting purposes only.
Results
Amortisation Schedule
Formulas & Assumptions
Periodic rate: r = APR ÷ periods per year
Total periods: n = round((term months ÷ 12) × periods per year)
P&I with balloon B:
pmt = ((P − B·(1+r)−n) · r) ÷ (1 − (1+r)−n)
Interest Only:
pmt = P · r per period; principal P returned as lump sum at period n
Figures are estimates only. Actual repayments may vary. ATO residual value guidance applies to chattel mortgage / novated lease arrangements.
Periodic rate: r = APR ÷ periods per year
Total periods: n = round((term months ÷ 12) × periods per year)
P&I with balloon B:
pmt = ((P − B·(1+r)−n) · r) ÷ (1 − (1+r)−n)
Interest Only:
pmt = P · r per period; principal P returned as lump sum at period n
Figures are estimates only. Actual repayments may vary. ATO residual value guidance applies to chattel mortgage / novated lease arrangements.
Disclaimer: This calculator provides an estimate only and does not constitute an offer or approval of finance. Calculations assume a fixed interest rate, no early repayments, and equal periods. Repayments are calculated on a reducing balance basis. CZM Financial Intelligence Pty Ltd does not guarantee the accuracy of these figures for any specific loan product.
