RV Finance Edge
See how financing your RV—plus potential tax deductions and investing the cash—can outperform paying cash outright.
Investment Return Summary
Calculation Results
| Year | Investment Start ($) | Investment Earned ($) | Tax Savings ($) | Interest Paid ($) | Loan Remaining ($) |
|---|---|---|---|---|---|
| Total Investment Growth: | |||||
| Total Tax Savings Breakdown: | |||||
Final Breakdown
Definitions
- Monthly Payment: Fixed payment calculated from Amount, APR, and Term.
- Total Payments: Monthly Payment × number of months.
- Interest Paid: Sum of the interest portion of each monthly payment across the term.
- Investment End Value: Value of the invested cash (equal to Amount Financed) compounded monthly at the Expected Return for the loan term.
- Net Investment Gain: Investment End Value − Amount Financed.
- Tax Write-Off Savings: Estimated deduction value of loan interest (uses federal + optional state marginal rates; simplified/approximate).
- Overall Net Benefit: (Net Investment Gain + Tax Savings) − Interest Paid. Positive → financing + investing beat paying cash; Negative → paying cash wins under these assumptions.
- Break-even Return: Minimum annual investment return (CAGR, compounded monthly) that makes Overall Net Benefit = $0 for your inputs. If Expected Return is below this, increase to at least the break-even % to avoid a negative result.
- SPY Match (optional): Fills Expected Return with a preset historical CAGR of SPY for the selected term (no live data/APIs).
- Assumptions: No extra contributions/withdrawals; investment compounds monthly; tax uses marginal-rate approximation; local/state nuances simplified.