Car Lease Calculator

Know your monthly lease payment, cash due at signing and total cost before you sign.

LEASE PAYMENT ESTIMATE

Build your deal

Vehicle MSRP $ sticker price Negotiated price $ before incentives Lease term months Residual value % of MSRP

ESTIMATED MONTHLY PAYMENT$—Includes estimated monthly sales tax

Cash due at signing—

Total lease economic cost—

Depreciation / month—

Financing / month—

Sales tax / month—

Residual / buyout baseline—

Lease financing rate

Equivalent APR (%)Money factor: 0.00225 · Approx. APR = money factor × 2,400

Cash down $ cap reductionCash rebates $ incentivesSales/use tax % on payment

Advanced deal details Trade-in, fees, tax method, mileage and deposit ⌄

Trade-in value ($)Trade loan payoff ($)Acquisition fee ($)Dealer/document fees ($) Fee treatmentTax collection Refundable security deposit ($)Other cash due at signing ($) Disposition fee at return ($)Included annual miles Estimated excess milesOverage rate ($ / mile) First monthly payment due at signing

WHERE YOUR PAYMENT GOES

Monthly payment breakdown

DEAL COMPARISON

Compare two dealer offers

Adjust inputs, save offer A, edit your deal, then save offer B to compare.

SENSITIVITY

What changes your payment?

See total-cost calculation

How an auto lease payment is calculated

Adjusted cap cost = negotiated price + financed fees + negative trade equity − cash down − rebates − positive trade equity. Residual value = MSRP × residual percentage. The monthly depreciation is (adjusted cap cost − residual value) ÷ lease months. The monthly rent charge is (adjusted cap cost + residual value) × money factor. The approximate equivalent annual percentage rate is money factor × 2,400.

The calculator adds tax to each base payment in monthly-tax mode; the alternative upfront-tax option estimates tax on the total base payments paid at signing. Tax treatment varies materially by location, leasing company, trade-in treatment and contract. Confirm the actual taxable base and fees in your written dealer quote.

Cash due at signing includes the cap reduction, cash-paid fees, upfront tax, refundable deposit, other upfront items and the first payment when selected. Total economic cost includes scheduled payments, cap reduction, cash-paid fees, disposition fee, upfront tax and positive trade equity used—without double-counting the first payment or counting refundable deposit as a loss. Excess-mile scenarios are shown separately.

Actual lease terms may include registration/title fees, taxes on rebates or cap reductions, insurance, maintenance, excess wear, dealer-marked-up money factors, residual buyout fees and early-termination charges. This estimate is not a dealer quote, financing approval or tax advice.

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