Equipment Finance Calculator
Estimate monthly repayments on yellow plant, trucks, TLBs and excavators across South Africa. Adjust deposit, term, interest rate and balloon to see what fits your cash flow.
Your numbers
Estimated repayments
Monthly payment
R19 792 56
per month for 60 months
- Price (incl. VAT)
- R977 500 00
- Deposit
- R97 750 00
- Finance amount
- R879 750 00
- Total repayment
- R1 285 303 67
All asset classes
Excavators, TLBs, dozers, tippers, cranes and more.
SA finance partners
We route applications to banks that fund yellow plant.
Live recalculation
Numbers update instantly as you change inputs.
Equipment finance calculator for South Africa
The IronYard equipment finance calculator is a free tool built for South African contractors, farmers, transporters and plant hire businesses. Whether you're pricing a used TLB, a new tipper truck, an excavator, a forklift or a full fleet of yellow plant, this asset finance calculator gives you an accurate monthly repayment in under 30 seconds.
What the calculator covers
- TLB finance — backhoe loaders from Bell, CAT, JCB, Case
- Excavator finance — 1.5t mini up to 50t class
- Tipper truck finance — 6m³, 10m³ and side-tipper configs
- Grader finance — motor graders for road and mining work
- Forklift finance — diesel, LPG and electric units
- Generator finance — standby and prime power sets
How to use the equipment finance calculator
- Enter the machine price (VAT-exclusive is the SA convention).
- Choose your deposit percentage — 10% is a good starting point.
- Set the finance term. Most SA lenders offer 24 – 72 months on plant.
- Adjust the interest rate. Prime is currently around 11.75% p.a.
- Add an optional balloon payment to reduce your monthly instalment.
- Toggle VAT on if you're funding the gross price.
When the numbers look right, browse live finance deals, shop equipment for sale, or apply for asset finance and we'll route your application to South Africa's leading yellow-plant funders.