Aircraft affordability planner

A budget that makes room for ownership.

Work backward from what you can spend each month and the cash you want to keep. Add operating costs before assigning the remainder to a loan.

Your planning workspace

Start with the numbers.

No sign-up. Calculations stay in your browser.

Build your loan scenario

Four inputs to start. More detail when you need it.

01 / Purchase

Aircraft purchase price$ Down payment%$50,000 cash toward the price Annual interest rate%Your contract rate, excluding fees. Amortization periodyears

Starting figures are editable examples, not current rates or lender terms.

Taxes, fees & trade-in Optional

Purchase tax rate (%) Taxable purchase base Total fixed closing fees ($) Origination fee (% of price) Trade-in value ($) Existing trade-in loan payoff ($)

Include purchase tax in the loan Include closing fees in the loan

State tax and trade-in treatment depend on the transaction. Check the state tax guides. A zero rate means no tax has been entered.

Loan maturity & payment options Advanced

Loan matures before the amortization period ends

Maturity (years)Balance remaining is due at maturity. Target balloon at amortization end ($) Interest-only monthsLater payments recast within the original term. Extra principal per payment ($) Payment frequency Interest compounding First payment date Assumed resale value at maturity ($)Used only for equity before the balloon.

Payments are one part of the plan.Add fuel, hangar, insurance and maintenance reserves.

Payment schedule & rate sensitivity Explore the detail

Your loan, payment by payment

Amounts are estimates before lender-specific rounding or daily interest.
Payment	Date	Scheduled payment	Interest	Principal	Balance	Balloon due

What if the interest rate changes?

All other scenario settings stay the same. These are hypothetical rates.

Read the result with confidence

What the numbers mean.

01 / METHOD

Start with the cash cushion

Cash available for closing is the purchase cash you enter less the cushion you want to preserve. The tool checks both this limit and the monthly budget.

02 / METHOD

Use a realistic operating worksheet

The affordability result inherits fuel, hangar, insurance, maintenance and reserve inputs from the ownership tab. Those costs can change the price ceiling substantially.

03 / METHOD

Treat the ceiling as a planning result

This calculator does not evaluate income, credit, debt ratios, collateral or lender requirements. A quoted purchase price and a lender conversation are separate steps.

Read the full calculation method and editorial policy.

A budget that makes room for ownership.

Start with the numbers.

Build your loan scenario

The cost beyond your payment

Look past the monthly payment

A purchase budget that leaves room

Is a refinance worth it?