Equipment ROI & Break-Even Calculator
Purchase or lease cost against realistic utilisation: monthly economics, break-even cases and payback period.
Illustrative assumptions. Default values here are example inputs for demonstration only — not validated reimbursement rates, costs or benchmarks. Replace every field with your own practice’s figures.
Estimated payback period
1 yr 9 mo
Cumulative cash turns positive in month 21 of a 60-month term.
Cumulative cash position
- Amount financed
- $165,000
- Monthly finance payment
- $3,385
- Total finance cost over termInterest paid across the full term
- $38,114
- Monthly contribution from cases$640 per case × 9 cases
- $5,760
- Monthly fixed costFinance payment plus operating cost
- $4,785
- Monthly net cash
- $975
- Break-even volume1 cases of headroom
- 8 cases/mo
This is a cash model. It does not account for tax treatment, depreciation, Section 179 or bonus depreciation elections, residual value, or the opportunity cost of the down payment. Discuss those with your accountant before committing capital.
How this is calculated
- Finance payment uses the standard amortising loan formula on the amount financed at the stated APR and term.
- Monthly net cash = (contribution per case × volume) − (finance payment + monthly operating cost).
- Cumulative position starts at −(down payment) and accrues monthly net cash across the term.
- Payback is the first month at which the cumulative position reaches zero.
What it does not do
- It is a cash model only — no tax treatment, depreciation, Section 179 or bonus depreciation elections, and no residual value.
- It assumes constant volume and payment across the term, which real payment policy does not guarantee.
- It does not evaluate regulatory structure, which can determine whether an ancillary service is permissible at all.
Now that you have a number
Want to pressure-test this against your actual claims data?
This model is only as good as the assumptions you put into it. Persistex works with independent urology practices on billing, coding and revenue cycle, and a practice review starts from your actual payment and denial data.
Analyze My Urology Practice takes you to a short form on the About page.
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