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Loan & Financing Calculator

Monthly payment, total interest, payoff schedule. Works for equipment, vehicles, solar, HVAC systems, big-ticket trades, and SBA loans.

Loan amount$45,000

Annual interest rate (APR)8.5%

Term (months)84 mo · 7 yr

Down payment (optional)

Subtracts from loan amount.

One-time fees rolled into loan (optional)

Origination, doc, dealer fees, etc.

Annual amortization snapshot

Year	Principal	Interest	Balance

Monthly payment

at end of month, principal + interest

Total paid

—

Total interest

—

Loan amount

—

Interest % of principal

—

If you're financing the job for the customer, present it like a payment

Customers say no to a $9,800 furnace and yes to a $138/month furnace. Verticals where financing the deal is normal — solar (WattWorks), HVAC and roofing (SiteLine), autos (GearShift) — turn this calculation into a quote your customer signs, not a calculation you do for yourself. Same math, different audience.

WattWorks — solar & energy SiteLine — trades GearShift — automotive DealDesk — B2B quotes