Asset Finance Ledger

SMART AMORTISATION & DEPRECIATION CALCULATOR — G&H FINANCIAL

Asset cost ($)

Deposit ($)

Amount financed

Cost minus deposit

Interest rate (% p.a.)

Term (months)

Balloon / residual (% of financed amount)

Balloon value

Owed at end of term

Depreciation method

Effective life (years)

Salvage / floor value ($)

Monthly payment

Rate p.a.

Total interest

Period	Opening balance	Payment	Interest	Principal	Closing balance

Period	Opening value	Depreciation	Closing value

Outstanding finance balance vs asset book value across the term, against the fixed balloon obligation.

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