Free calculator
Equipment Build-Out Calculator
Build your equipment list, then compare buying outright against leasing over time.
Your inputs
Loads a typical starting equipment list you can edit below
Equipment line items
Your results
Total Equipment Cost
$56,800
Financing Method
Buy outright
Line items
| Item | Qty | Unit cost | Line total |
|---|---|---|---|
| Cardio machines | 8 | $3,500 | $28,000 |
| Strength/racks | 6 | $2,800 | $16,800 |
| Free weights & accessories | 1 | $12,000 | $12,000 |
Cardio machines
- Qty
- 8
- Unit cost
- $3,500
- Line total
- $28,000
Strength/racks
- Qty
- 6
- Unit cost
- $2,800
- Line total
- $16,800
Free weights & accessories
- Qty
- 1
- Unit cost
- $12,000
- Line total
- $12,000
How this is calculated
This calculator totals your equipment line items and, if you're leasing, compares the cumulative lease cost against buying outright. Edit any line item's name, quantity, or unit cost — start from a concept preset or build your own list from scratch.
- Total equipment cost = sum of (quantity × unit cost) across every line item you enter.
- Monthly lease payment = the same standard amortization formula as the Loan Payment Calculator, applied to your total equipment cost, lease rate, and lease term.
- Lease cost premium = total of all lease payments over the term minus the outright purchase price — what leasing costs you above buying, in exchange for spreading the cash outlay over time.
- Break-even month = the point where cumulative lease payments would have exceeded the outright purchase price. If that point falls well before your lease term ends, most of the remaining term is pure financing cost rather than covering the equipment itself.
Worked example
A gym build with 8 cardio machines at $3,500, 6 strength racks at $2,800, and $12,000 in free weights runs $57,800 in equipment cost. Leased over 5 years at 9%, that's roughly $1,200/month — check your own numbers above.
All outputs are planning estimates, not guarantees. Consult the brand FDD and your advisors for decisions.