---
alternate_lang: de
description: The calculator assumes an input VAT deduction. In other cases (e.g. healthcare),
  please refer to the following explanations.
lang: en
title: LeasingPilot calculator - Determination of the effective interest rate
type: page
url: http://leasing-pilot.com/en/leasing-calculator/
---


# LeasingPilot calculatorDetermination of the effective interest rate

The calculator assumes an input VAT deduction. In other cases (e.g. healthcare), please refer to the following [explanations.](/en/academy/library/#input-taxvat)
Offer name:
info
##### Offer name



Please assign a name to the calculation.







Asset name:



Classification according to tax depreciation table:
info
##### Classification according to tax depreciation table



Assign your leasing asset to the official depreciation table. By entering this information, you can display the depreciation over the term for your project.







Financing amount (net):
info
##### Financing amount (net)



Please enter the acquisition costs for the leasing or hire-purchase asset. If you are entitled to deduct input tax, please enter the net amount, otherwise enter the gross amount.







Desired / expected down payment:
info
##### Desired / expected down payment



Please enter the expected or desired down payment or a down payment already agreed in the past for similar financing. LeasingPilot will always try to negotiate no or only the lowest possible down payment for you!







Desired / expected residual value:
info
##### Desired / expected residual value



Final payment on the date of the last day of the financing term, such as a residual value (e.g. in case of a non-full pay out contract with a right to put ('Teilamortisation mit Andienungsrecht')) – sometimes agreed as a fixed final payment ('Abschlusszahlung') in lease or hire-purchase agreements (sometimes also referred to as “Ballonrate”).







Due date:
info
##### Due date:



Please select the due date of the instalment.





Beginning of period
End of period



Handling fee:
info
##### Handling fee



Handling fee, contract acceptance fee, etc. For the purpose of the calculation it is assumed that this fee is made at the due date of the first instalment.







Post-leasing proceeds / purchase option price:
info
##### Post-leasing proceeds / purchase option price



In case of leasing, the amount expected the lessee has to additionally pay at the end of the term in order to obtain the legal title to the asset; in non-full-pay-out or full-pay-out leases (“Teil- oder Voll-Amortisationsverträgen”) referred to as post-lease proceeds (“Nachmieterlöse”); in the case of leasing agreements with a purchase option for the lessee the purchase option price. This does not apply to hire-purchase agreements as ownership is automatically transferred with payment of the last installment.







Number of days until beginning of first payment period:
info
##### Number of days until beginning of first payment period



The so-called utilization rate (‚Nutzungsrate‘), if applicable, results from the pricing agreed for the period up to the next first of the month. As a client, you pay exactly one thirtieth of the agreed installment for each day up to the first of the next month when thefinancing is paid out within the month.








Monthly payment:



Desired financing term in months:
info
##### Desired financing term in months



Please enter the term of your lease or hire-purchase agreement (basic lease term) in months.








Calculate