Methodology

Every figure on Equipment Capital Index is derived from a deterministic, reproducible calculation — not a generative estimate. This page documents exactly how.

Amortization Calculation

Monthly payments are computed against the financed amount (estimated equipment price plus a $750.00 doc/origination fee, less an estimated residual value for operating leases) using the standard amortizing-loan formula:

payment = P * r * (1 + r)^n / ((1 + r)^n - 1)

where P is the financed amount, r is the monthly interest rate (base APR / 12), and n is the term in months. All server-side calculations use Python's decimal.Decimal type with ROUND_HALF_UP rounding to the cent — never floating point — to avoid cumulative rounding drift.

Section 179 Tax Estimates

Tax deduction estimates apply the 2026 Section 179 deduction cap of $2,560,000 and a flat 21% federal corporate tax rate (see IRS Publication 946). These are illustrative federal estimates only — they do not account for state taxes, bonus depreciation interactions, or entity-specific limitations. Always consult a certified CPA before making a purchasing decision based on these figures.

Pricing Methodology

Every price shown on this site is an estimated market price, not a manufacturer's suggested retail price. Commercial equipment manufacturers do not publish MSRP — pricing is dealer-negotiated and varies by region, configuration, and volume. We do not claim otherwise. Where available, estimated prices and comparable auction values are sourced from licensed equipment-valuation data providers; figures are always presented as estimates and should be confirmed with a dealer quote before you rely on them financially.

Data Sourcing

Asset specifications (horsepower, operating weight, lift capacity) are sourced from manufacturer-published spec sheets and licensed equipment-data providers, then validated against strict plausibility bounds before publication. Rows that fail validation are dropped, not guessed. Pages with incomplete specification data are held out of Google's index (though still reachable on the site) until enrichment fills in the missing fields — we'd rather have a smaller number of complete pages than a large number of thin ones.

Rate Estimates

Base APR figures represent an estimated commercial-lending market rate for the given asset category and are not a quote from any specific lender. Actual rates depend on your credit profile, time in business, and the lender you're matched with.