{
  "provider": {
    "name": "CalculateEnergySavings.com",
    "source_url": "https://calculateenergysavings.com/",
    "terms_url": "https://calculateenergysavings.com/api-terms/",
    "terms_version": "2026-08-25"
  },
  "id": "cash-financing-comparison",
  "name": "Cash Purchase vs. Financing Calculator",
  "description": "Compare cash purchase and financing cases using project cost, incentives, savings, down payment, rate, term, fees, escalation, and discount rate.",
  "status": "published",
  "callable": true,
  "version": "1.0.0",
  "url": "https://calculateenergysavings.com/calculators/cash-financing-comparison/",
  "methodology_url": "https://calculateenergysavings.com/calculators/cash-financing-comparison/#methodology",
  "api_url": "https://calculateenergysavings.com/api/v1/calculators/cash-financing-comparison",
  "calculate_url": "https://calculateenergysavings.com/api/v1/calculators/cash-financing-comparison/calculate",
  "input_schema": {
    "type": "object",
    "additionalProperties": false,
    "properties": {
      "projectCost": {
        "type": "number"
      },
      "incentiveAmount": {
        "type": "number",
        "default": 0
      },
      "annualSavings": {
        "type": "number"
      },
      "annualMaintenanceSavings": {
        "type": "number",
        "default": 0
      },
      "projectLife": {
        "type": "number",
        "default": 15
      },
      "discountRatePercent": {
        "type": "number",
        "default": 7
      },
      "savingsEscalationPercent": {
        "type": "number",
        "default": 2.5
      },
      "financingRatePercent": {
        "type": "number",
        "default": 5
      },
      "financingTermYears": {
        "type": "number",
        "default": 10
      },
      "downPaymentAmount": {
        "type": "number",
        "default": 0
      },
      "financingFee": {
        "type": "number",
        "default": 0
      }
    }
  },
  "example_inputs": {
    "projectCost": "",
    "incentiveAmount": 0,
    "annualSavings": "",
    "annualMaintenanceSavings": 0,
    "projectLife": 15,
    "discountRatePercent": 7,
    "savingsEscalationPercent": 2.5,
    "financingRatePercent": 5,
    "financingTermYears": 10,
    "downPaymentAmount": 0,
    "financingFee": 0
  },
  "source_url": null,
  "formulas": [],
  "disclaimer": "Screening estimate only. Verify measurements, assumptions, tariffs, equipment constraints, and applicable requirements before making a project or purchasing decision."
}