Vehicle and equipment comparisons now use Financing Modeler. The former standalone Vehicle & Equipment Purchase surface is not part of the current tool catalog; this legacy help URL remains available so older links point to the current workflow.
Availability: Financing Modeler is available to Builder Pro consumers. Advisor access remains limited to approved preview accounts.
What Financing Modeler Compares
Use the purchase price as the amount financed, then enter the assumptions for the same three modeled paths:
- Pay cash — models the purchase leaving the starting savings balance
- Third-party financing — uses the external loan rate and term you enter
- Policy loan — uses the carrier loan rate, policy inputs, and the same comparison payment window
The results compare modeled monthly payments, total interest volume, ending balances, and the cash-flow path under the entered assumptions. Recurring-purchase settings can repeat the comparison across later replacement cycles.
The model does not initiate a purchase, create a loan, or change a policy record. It also does not calculate carrier-specific MEC limits, premium ceilings, cost basis, or recognition treatment.
See Using Financing Modeler for the current walkthrough.