Equipment Break-Even Analyzer
Calculate exactly how many sales cover your loan and overhead.
Loan Details
Unit Economics
Monthly Sales for Break-Even
0
Units per month
Monthly Loan Payment
$0.00
Profit per Unit Sold
$0.00
Business Strategy Insight
"Calculate exactly how many sales you need to cover your equipment loan. Our 2026 Equipment Break-Even Analyzer factors in monthly payments, variable costs, and fixed overhead to give you a tax-ready roadmap to profitability. Download your full amortization schedule instantly."
Strategic Equipment Financing FAQ
Understanding the Break-Even Point
In equipment finance, your break-even point is the specific number of units you must sell to cover the costs of acquiring and operating that machine. This calculator takes your monthly loan payment and adds it to your fixed overhead (rent, software, etc.). By knowing your contribution margin—the profit left after material costs—you can pinpoint exactly when your equipment stops being a liability and starts generating pure profit.
2026 Tax Implications & Deductions
For 2026, business owners should pay close attention to Section 179 and bonus depreciation rules. While loan principal payments are not deductible, 100% of the interest paid on an equipment loan is usually a deductible business expense. Our downloadable PDF schedule specifically breaks out the interest portion of each payment to make year-end accounting seamless for your side-hustle.
Why Variable Costs Matter
Variable costs include materials, electricity used by the machine, and any direct labor required to produce one unit. If your variable costs are too high, your margin shrinks, forcing you to sell significantly more units to cover the loan. Before financing, use this tool to see how a $5 reduction in material costs could shave months off your break-even timeline.