Ownership costs

Ownership costs, with the assumptions in view.

Fuel and maintenance change with use. Hangar and insurance arrive whether you fly or not. Connect those costs to the first year of your loan scenario.

Your planning workspace

Start with the numbers.

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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

Separate operating costs from reserves

Fuel and routine maintenance represent expected operating spending. Engine and propeller reserves represent money you choose to set aside for later work. The worksheet keeps those buckets separate.

02 / METHOD

Use remaining engine hours

An engine already partway through its life has fewer hours left to fund the next overhaul. Enter an overhaul estimate, savings already allocated and the remaining hours. Replace the defaults with a shop quote and your aircraft’s records.

03 / METHOD

Keep one-time cash in view

Your down payment, purchase taxes and closing fees are part of acquisition planning. A balloon is a separate maturity obligation. They are shown alongside the recurring budget instead of being disguised as monthly operating costs.

Read the full calculation method and editorial policy.

Ownership costs, with the assumptions in view.

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?