Enter the details you know. Optional advanced fields are kept separate so the main calculation stays easy to use.
How to use this calculator
- Enter invested capital and recurring monthly costs.
- Set the holding period and annual financing rate.
- Open Advanced resale settings to estimate how carrying costs affect the final profit.
How the estimate works
Carrying cost is the ongoing expense of keeping capital tied up in stock. It may include storage, insurance, financing, maintenance, and allocated overhead.
Financing interest is modeled as simple monthly interest on the entered capital. Compounding, changing balances, and tax treatment are not included.
Frequently asked questions
Why does holding time affect profit?Storage, insurance, maintenance, and financing can continue even when the item is not selling.
Does this assume the antique loses value?No. It holds the expected sale price fixed; it simply subtracts the modeled costs of time.
How should I estimate overhead?Use a reasonable allocation of costs such as rent, utilities, storage, and insurance, applied consistently across inventory.
Is the financing formula exact?It is a simple-interest estimate based on the entered capital and annual rate. Actual loan terms may differ.
Can I use this for an item I own personally?Yes, for planning, but some dealer costs may not apply to personal collection items.