Break-even calculator · 2 minutes

Should you buy the equipment?


A mower, a truck, a machine — the question is always the same: how many months of the extra work it unlocks pays it off? Four numbers answer it: what it costs to buy, what it adds in monthly costs, and what the added jobs actually bring in.

Four numbers, one decision

The calculator

Pick an equipment preset for starting numbers, then overwrite every field with your actual quote and your own margins. Everything recalculates as you type.

Your numbers never leave this page — everything is computed right here in your browser.

Starting numbers to react to, nothing more. Every field is editable, and any field you've changed yourself stays put.

The full out-the-door number on the quote — attachments, delivery, the works.

What owning it adds every month — insurance, fuel, maintenance, storage.

Only work this purchase unlocks — jobs you currently turn away, sub out, or can't reach.

What one of those jobs leaves after labor and materials — not the invoice total. Not sure? Check your real margin first

Your result

Payback time

Enter the purchase price and what the extra work brings in.

Monthly net
First-year net

This is one decision. A full financial model covers the scenario properly — $1,000–$3,500.

Why this is only a screen

What a full model covers

Cash, month by month

This page assumes the same net lands every month from day one. A real purchase meets a deposit, a slow season, and a ramp-up while the new capacity finds its customers. A model lays the cash out month by month, so the tight stretch has a number on it.

More than one scenario

One set of numbers is a hope. A model prices the same decision at a few different volumes — so you know how few added jobs it takes for the purchase to still make sense, before you sign anything.

You keep the model

You get a working spreadsheet with every assumption visible and changeable — re-run it when the quote changes, when a used unit turns up, or when the second machine question comes around.

This calculator runs on the four numbers you enter, right in your browser — nothing is saved and nothing is sent anywhere. It treats those numbers as steady every month: no financing costs, no seasonality, no ramp-up. It's a screen for one decision, not a plan. I do job costing and pricing analysis. I am not an accountant, and this is not an audit, a review, or an opinion on your financial statements. If you need those, I'll point you to a CPA.

Payback Enter your numbers