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1) Have a place for your inputs:
Cost, tax rate, fees, margin %
2) Have a place for the formula:
(Cost + (cost * margin %) + fees) * (1 + tax rate)
3) Have a place for financing options referencing the output of step 2. You can use hardcoded values or inputs as well for the term and interest. Use =PMT() formula for payment calculations.
Sounds like you do the math with equations for however the several financials options could be and then whatever your drop down says, that gets index matched in, etc, etc
Grab an income statement template.
Build it, then use data validation > list to get your drop down.
Reference that fell with any subsequent financing formulas or amortization.