Connect with us today
Your Partners for Progress
Thank you!
Oops! Something went wrong while submitting the form.

COST CALCULATOR

Explore how interest, fees, and repayment structure combine to determine the true cost of capital, and pressure test different scenarios before making a financing decision.

MIGHTY TOOLS Model your cost of debt before you move forward

Understanding the true cost of debt comes down to more than the headline rate. This tool brings together interest, fees, and repayment structure to show the full cost of capital over the life of a facility.

Adjust key inputs and test scenarios in seconds. See how changes to term, pricing, and structure impact total cost, effective APR, and monthly repayments, and assess how that compares to alternative funding options.

For founders and CFOs, this is about clarity on trade offs. Use this to quantify cost, pressure test assumptions, and make more informed capital decisions.

This tool is intended for illustrative purposes only and does not constitute financial advice.

Facility inputs
Facility size $3.0M
Interest rate p.a. 15.0%
Loan term 36 mo
Interest-only period 12 mo
Establishment fee 2.00%
Net proceeds
After estab. fee
Total interest
Over full term
Total cost of debt
Interest + fees
Effective APR
All-in cost
IO monthly payment
Interest only
Peak monthly payment
At start of amort.
Adjust the sliders to model your facility.
Total repayment breakdown
Principal
Interest
Estab. fee
Monthly repayment — interest vs. principal
Full amortisation schedule View schedule
Month Opening balance Interest Principal Total payment Closing balance