# Equipment Depreciation Calculator

Canonical URL: https://fundmyequipment.com/calculator/depreciation/
Last modified: 2026-05-29T19:39:17+00:00
Type: efin_calculator

## Summary

MACRS depreciation calculator.

## Content

The Equipment Depreciation Calculator is a no-signup tool for modeling equipment depreciation scenarios. Below is the methodology, assumptions, and notes on how to use the output.How the calculator worksThis calculator uses standard equipment-financing formulas to model the specified scenario. Inputs are documented in the tool above; outputs are estimates only.AssumptionsRate ranges: blended across our partner lenders, refreshed monthly. Actual rates depend on lender underwriting.Section 179 calculations: 2026 limit of $1.22M, phase-out at $3.05M, 60% bonus depreciation rate. Assumes 25% effective federal tax rate unless overridden. Not tax advice.Amortization: standard monthly amortization (compound interest). Most equipment loans amortize this way.Residuals (FMV lease): 20% typical for general equipment; varies 15-25% by category and age.What this calculator does not includeOrigination fees (sometimes financed into the loan, sometimes paid at close)Doc fees ($150-500 typical)Insurance premiums (separate from financing payment)Sales tax (state-specific; see your state guide)Late fees or prepayment penaltiesAlways ask the lender for an all-in quote including all fees before signing.Apply with these numbersThe "Apply with these terms" button hands off to our application form pre-filled with your calculator inputs. /apply/ for soft-pull pre-qualification.