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Asset return calculator
Estimate the return on a new asset purchase. Choose finance or cash, enter your assumptions, and the numbers update instantly.
EQUIPT
Asset return analysis ·
Assumptions
Cash cost / month – P&I + maintenance
P&L result / year – accounting profit
Operating cashflow / year – typical year
Whole-of-life result – total over life
Cashflow over useful life
P&L (typical year)
| Line | Monthly | Annual |
|---|---|---|
| Income | ||
| Less: interest (avg) | ||
| Less: maintenance | ||
| Less: depreciation | ||
| P&L result |
Cashflow (typical year)
| Line | Monthly | Annual |
|---|---|---|
| Income | ||
| Less: loan repayment (P&I) | ||
| Less: maintenance | ||
| Net cashflow |
Whole-of-life summary
| Line | Total over life |
|---|---|
| Total income | |
| Less: total interest | |
| Less: total maintenance | |
| Less: net asset cost (price − resale) | |
| Whole-of-life result |
Assumptions: straight-line depreciation from purchase price down to the disposal value; on finance, the deposit is paid upfront in year 1 and the balance is borrowed, with interest averaged over the loan term for the P&L; on a cash purchase the full price is paid in year 1; utilisation applied across a 52-week year. Over the whole life, total P&L equals total cashflow. Indicative only — not financial advice.
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