# Total Cost of Ownership Calculator

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

## Summary

5- to 10-year TCO including financing, maintenance, depreciation.

## Content

The Total Cost of Ownership Calculator is a no-signup tool for modeling total cost of ownership scenarios. Below is the methodology, assumptions, and notes on how to use the output.How the calculator worksThe total cost of ownership (TCO) calculator estimates the all-in cost of acquiring and operating equipment over the financing term. Inputs include equipment price, financing rate, term, annual insurance, annual maintenance estimate, and your tax rate. Outputs include total cost, after-tax cost, and per-month equivalent.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.