Calculating fleet performance…
Equipment investment & break-even
Adjust the purchase, loan and operating assumptions to see what the equipment must earn.
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Expected: scheduled hours × 1, revenue rate × 1, operating costs × 1. Hours capped at 744/month. Downtime then reduces billable hours.
Monthly cost breakdown · Illustrative frac pump purchase
| Item | Monthly amount |
|---|---|
| Revenue | $91,800 |
| Fuel | $20,400 |
| Labor | $13,260 |
| Routine maintenance | $4,080 |
| Major-repair reserve | $5,100 |
| Transportation, insurance, registration & overhead | $6,100 |
| Total operating costs | $48,940 |
| Scheduled loan payment | $13,180 |
| Cash remaining (first month) | $29,680 |
Scenario comparison
| Scenario | Billable hours | Monthly cash after debt | Equity recovery | Full-cost recovery |
|---|---|---|---|---|
| Conservative | 163.2 | $12,179 | Jan 2028 · month 15 | Dec 2029 · month 38 |
| Expected | 204.0 | $29,680 | Apr 2027 · month 6 | Aug 2028 · month 22 |
| Aggressive | 234.6 | $45,071 | Feb 2027 · month 4 | Feb 2028 · month 16 |
Monthly cash flow and debt schedule (120 months)
| Month | Revenue | Operating + reserves | Debt payment | Interest | Debt remaining | Cash after debt | Cumulative equity cash |
|---|---|---|---|---|---|---|---|
| 1 | $91,800 | $48,940 | $13,180 | $4,333 | $641,154 | $29,680 | -$145,320 |
| 2 | $91,800 | $48,940 | $13,180 | $4,274 | $632,248 | $29,680 | -$115,639 |
| 3 | $91,800 | $48,940 | $13,180 | $4,215 | $623,284 | $29,680 | -$85,959 |
| 4 | $91,800 | $48,940 | $13,180 | $4,155 | $614,259 | $29,680 | -$56,279 |
| 5 | $91,800 | $48,940 | $13,180 | $4,095 | $605,175 | $29,680 | -$26,598 |
| 6 | $91,800 | $48,940 | $13,180 | $4,034 | $596,030 | $29,680 | $3,082 |
| 7 | $91,800 | $48,940 | $13,180 | $3,974 | $586,823 | $29,680 | $32,762 |
| 8 | $91,800 | $48,940 | $13,180 | $3,912 | $577,556 | $29,680 | $62,443 |
| 9 | $91,800 | $48,940 | $13,180 | $3,850 | $568,227 | $29,680 | $92,123 |
| 10 | $91,800 | $48,940 | $13,180 | $3,788 | $558,835 | $29,680 | $121,803 |
| 11 | $91,800 | $48,940 | $13,180 | $3,726 | $549,381 | $29,680 | $151,484 |
| 12 | $91,800 | $48,940 | $13,180 | $3,663 | $539,864 | $29,680 | $181,164 |
| 13 | $91,800 | $48,940 | $13,180 | $3,599 | $530,283 | $29,680 | $210,844 |
| 14 | $91,800 | $48,940 | $13,180 | $3,535 | $520,639 | $29,680 | $240,525 |
| 15 | $91,800 | $48,940 | $13,180 | $3,471 | $510,930 | $29,680 | $270,205 |
| 16 | $91,800 | $48,940 | $13,180 | $3,406 | $501,157 | $29,680 | $299,885 |
| 17 | $91,800 | $48,940 | $13,180 | $3,341 | $491,318 | $29,680 | $329,566 |
| 18 | $91,800 | $48,940 | $13,180 | $3,275 | $481,414 | $29,680 | $359,246 |
| 19 | $91,800 | $48,940 | $13,180 | $3,209 | $471,444 | $29,680 | $388,927 |
| 20 | $91,800 | $48,940 | $13,180 | $3,143 | $461,407 | $29,680 | $418,607 |
| 21 | $91,800 | $48,940 | $13,180 | $3,076 | $451,303 | $29,680 | $448,287 |
| 22 | $91,800 | $48,940 | $13,180 | $3,009 | $441,132 | $29,680 | $477,968 |
| 23 | $91,800 | $48,940 | $13,180 | $2,941 | $430,894 | $29,680 | $507,648 |
| 24 | $91,800 | $48,940 | $13,180 | $2,873 | $420,587 | $29,680 | $537,328 |
| 25 | $91,800 | $48,940 | $13,180 | $2,804 | $410,211 | $29,680 | $567,009 |
| 26 | $91,800 | $48,940 | $13,180 | $2,735 | $399,766 | $29,680 | $596,689 |
| 27 | $91,800 | $48,940 | $13,180 | $2,665 | $389,251 | $29,680 | $626,369 |
| 28 | $91,800 | $48,940 | $13,180 | $2,595 | $378,667 | $29,680 | $656,050 |
| 29 | $91,800 | $48,940 | $13,180 | $2,524 | $368,012 | $29,680 | $685,730 |
| 30 | $91,800 | $48,940 | $13,180 | $2,453 | $357,285 | $29,680 | $715,410 |
| 31 | $91,800 | $48,940 | $13,180 | $2,382 | $346,488 | $29,680 | $745,091 |
| 32 | $91,800 | $48,940 | $13,180 | $2,310 | $335,618 | $29,680 | $774,771 |
| 33 | $91,800 | $48,940 | $13,180 | $2,237 | $324,676 | $29,680 | $804,451 |
| 34 | $91,800 | $48,940 | $13,180 | $2,165 | $313,660 | $29,680 | $834,132 |
| 35 | $91,800 | $48,940 | $13,180 | $2,091 | $302,572 | $29,680 | $863,812 |
| 36 | $91,800 | $48,940 | $13,180 | $2,017 | $291,409 | $29,680 | $893,492 |
| 37 | $91,800 | $48,940 | $13,180 | $1,943 | $280,172 | $29,680 | $923,173 |
| 38 | $91,800 | $48,940 | $13,180 | $1,868 | $268,861 | $29,680 | $952,853 |
| 39 | $91,800 | $48,940 | $13,180 | $1,792 | $257,473 | $29,680 | $982,533 |
| 40 | $91,800 | $48,940 | $13,180 | $1,716 | $246,010 | $29,680 | $1,012,214 |
| 41 | $91,800 | $48,940 | $13,180 | $1,640 | $234,471 | $29,680 | $1,041,894 |
| 42 | $91,800 | $48,940 | $13,180 | $1,563 | $222,854 | $29,680 | $1,071,574 |
| 43 | $91,800 | $48,940 | $13,180 | $1,486 | $211,160 | $29,680 | $1,101,255 |
| 44 | $91,800 | $48,940 | $13,180 | $1,408 | $199,388 | $29,680 | $1,130,935 |
| 45 | $91,800 | $48,940 | $13,180 | $1,329 | $187,538 | $29,680 | $1,160,615 |
| 46 | $91,800 | $48,940 | $13,180 | $1,250 | $175,608 | $29,680 | $1,190,296 |
| 47 | $91,800 | $48,940 | $13,180 | $1,171 | $163,599 | $29,680 | $1,219,976 |
| 48 | $91,800 | $48,940 | $13,180 | $1,091 | $151,510 | $29,680 | $1,249,656 |
| 49 | $91,800 | $48,940 | $13,180 | $1,010 | $139,341 | $29,680 | $1,279,337 |
| 50 | $91,800 | $48,940 | $13,180 | $929 | $127,090 | $29,680 | $1,309,017 |
| 51 | $91,800 | $48,940 | $13,180 | $847 | $114,758 | $29,680 | $1,338,698 |
| 52 | $91,800 | $48,940 | $13,180 | $765 | $102,343 | $29,680 | $1,368,378 |
| 53 | $91,800 | $48,940 | $13,180 | $682 | $89,846 | $29,680 | $1,398,058 |
| 54 | $91,800 | $48,940 | $13,180 | $599 | $77,265 | $29,680 | $1,427,739 |
| 55 | $91,800 | $48,940 | $13,180 | $515 | $64,601 | $29,680 | $1,457,419 |
| 56 | $91,800 | $48,940 | $13,180 | $431 | $51,852 | $29,680 | $1,487,099 |
| 57 | $91,800 | $48,940 | $13,180 | $346 | $39,018 | $29,680 | $1,516,780 |
| 58 | $91,800 | $48,940 | $13,180 | $260 | $26,098 | $29,680 | $1,546,460 |
| 59 | $91,800 | $48,940 | $13,180 | $174 | $13,092 | $29,680 | $1,576,140 |
| 60 | $91,800 | $48,940 | $13,180 | $87 | $0 | $29,680 | $1,605,821 |
| 61 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $1,648,681 |
| 62 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $1,691,541 |
| 63 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $1,734,401 |
| 64 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $1,777,261 |
| 65 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $1,820,121 |
| 66 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $1,862,981 |
| 67 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $1,905,841 |
| 68 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $1,948,701 |
| 69 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $1,991,561 |
| 70 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,034,421 |
| 71 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,077,281 |
| 72 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,120,141 |
| 73 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,163,001 |
| 74 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,205,861 |
| 75 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,248,721 |
| 76 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,291,581 |
| 77 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,334,441 |
| 78 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,377,301 |
| 79 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,420,161 |
| 80 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,463,021 |
| 81 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,505,881 |
| 82 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,548,741 |
| 83 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,591,601 |
| 84 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,634,461 |
| 85 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,677,321 |
| 86 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,720,181 |
| 87 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,763,041 |
| 88 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,805,901 |
| 89 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,848,761 |
| 90 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,891,621 |
| 91 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,934,481 |
| 92 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $2,977,341 |
| 93 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,020,201 |
| 94 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,063,061 |
| 95 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,105,921 |
| 96 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,148,781 |
| 97 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,191,641 |
| 98 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,234,501 |
| 99 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,277,361 |
| 100 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,320,221 |
| 101 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,363,081 |
| 102 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,405,941 |
| 103 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,448,801 |
| 104 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,491,661 |
| 105 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,534,521 |
| 106 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,577,381 |
| 107 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,620,241 |
| 108 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,663,101 |
| 109 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,705,961 |
| 110 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,748,821 |
| 111 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,791,681 |
| 112 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,834,541 |
| 113 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,877,401 |
| 114 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,920,261 |
| 115 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $3,963,121 |
| 116 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $4,005,981 |
| 117 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $4,048,841 |
| 118 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $4,091,701 |
| 119 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $4,134,561 |
| 120 | $91,800 | $48,940 | $0 | $0 | $0 | $42,860 | $4,177,421 |
Calculation assumptions
Level monthly payments, fixed interest rate, no balloon, no extra principal payments. All acquisition costs are financed except cash down and trade-in equity. Trade-in means equity after settling any old debt. Monthly revenue is collected in the month earned.
Equity recovery begins at negative cash down plus trade-in equity and adds cash after operating costs, reserves and debt payments. Full-cost recovery begins at negative acquisition cost and adds operating contribution less interest, without subtracting loan principal again. Recovery dates exclude resale. Net exit includes resale less remaining debt. Dates mark the end of each monthly period.
Repair reserves are treated as funds set aside; do not also include the same repairs in another cost field. Forecasts hold monthly assumptions constant and exclude income taxes, depreciation, inflation, working capital and discounting. Results are planning estimates, not guaranteed profit or accounting advice. No executive target is created automatically.