Compare vehicle lease offers with clear monthly depreciation, rent charges, signing costs and total estimated cost. This is a lease estimate, not an auto-loan calculation.
01 / YOUR LEASE OFFER
Use the same currency unit for all amounts. Residual percentage is based on MSRP—not the negotiated price.
02 / PAYMENT ESTIMATE
Enter your vehicle offer and calculate a lease estimate.
03 / LEASE ASSUMPTIONS
Adjusted cap cost = selling price + rolled-in fees − down payment − net trade-in credit − rebates. Depreciation per month = (adjusted cap cost − residual) ÷ months. Rent per month = (adjusted cap cost + residual) × money factor.
Residual, base payment, taxes and mileage charges are rounded half-up to cents. Displayed depreciation and rent are independently rounded and can differ by a cent from their displayed sum. Down payment excludes first payment and fees. Upfront costs include the first installment; total cost does not count it twice.
The vehicle is returned at lease end. Totals exclude an optional buyout, refundable deposits, wear/disposition charges and existing-debt payoff. Rebates are not customer cash; trade-in equity is value you commit even though it is not a cash payment.
Tax treatment, fee rules and lease practices vary by jurisdiction and dealership. This simplified estimate does not reproduce every contract or constitute an official APR disclosure. Software limits: amounts up to 1 billion each, 1–120 months, residual 0–100% of MSRP, money factor 0–1, and nonnegative depreciation.
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Enter MSRP, negotiated price, term, residual and money factor. Add down payment and optional credits, fees, taxes or mileage assumptions, then calculate and copy the estimate.
Standard lease formulas, separate upfront and rolled-in fees, explicit tax assumptions and optional mileage estimates.
Calculations stay in your browser without uploads or storage.
Adjusted capitalized cost is negotiated price plus rolled-in fees minus down payment, net trade-in credit and rebates. Monthly depreciation is adjusted cap cost minus residual, divided by months. Monthly rent is adjusted cap cost plus residual, multiplied by money factor. Base payment is depreciation plus rent.
Yes. Residual percentage applies to MSRP, not negotiated price. You can instead enter a residual amount. This model requires residual between zero and MSRP and no greater than adjusted cap cost, so depreciation is nonnegative.
The conventional approximate percentage conversion is money factor × 2400; approximate APR ÷ 2400 gives a money factor. This is not a cash-flow APR calculation or a legally compliant APR disclosure.
Upfront acquisition and other fees are paid at signing. Rolled-in fees increase cap cost and are recovered through payments; do not enter the same fee in both places. Down payment excludes fees and the first payment. The estimate includes the first of the stated monthly installments at signing and does not count it twice.
Choose tax on each rounded base monthly payment, upfront tax on the sum of base payments, or upfront tax on negotiated selling price before credits. Taxes exclude fees, reductions and excess mileage in this simplified model. Mileage is prorated from annual allowance and expected driving; estimated excess charges are paid at return.
Cash outlay includes down payment, upfront fees, modeled taxes, all monthly payments and optional estimated excess mileage. A separate total adds net trade-in value committed. Rebates are not customer cash. Vehicle purchase, refundable deposits, wear/disposition charges, payoff of existing debt and contract-specific tax rules are excluded. Actual dealership and jurisdiction rules vary.