Car Lease Calculator

פרסומת
כל הכלים

Estimate your monthly car lease payment from cap cost, residual value, money factor and term, with the depreciation and finance charge broken out.

$
$
%
MF
APR = money factor × 2400 (e.g. 0.0025 = 6% APR).
%
months
Monthly lease payment – per month, tax included
Depreciation portion –
Finance charge (rent) –
Monthly sales tax –
Residual value at lease end –
Equivalent rate –
Total of lease payments –
Monthly depreciation = (net cap cost − residual value) ÷ term; finance charge = (net cap cost + residual value) × money factor. Residual % is applied to the vehicle price and sales tax to the monthly payment (the rule in most US states). Fees are not included.
פרסומת

אודות Car Lease Calculator

The Car Lease Calculator estimates a monthly lease payment from the negotiated price (capitalized cost), your down payment, the residual value percentage, the money factor and the term. It breaks the payment into its two real components: the depreciation you are paying for and the finance charge the leasing company adds.

A lease payment is not a loan payment. Depreciation is the net cap cost minus the residual value, spread over the term; the finance charge is the money factor applied to the net cap cost plus the residual value, because you are financing both the part you use and the part you hand back. Sales tax is then applied to the monthly payment, the rule in most US states.

The tool converts between money factor and APR in both directions — APR = money factor × 2400 — so you can compare a dealer quote in either form. Run the numbers before you negotiate: knowing which lever (price, residual, money factor or term) moves the payment most is exactly what a showroom conversation needs.

כיצד להשתמש ב-Car Lease Calculator

  1. Enter the negotiated vehicle price you expect to agree — this is the capitalized cost.
  2. Add any down payment (capitalized cost reduction).
  3. Enter the residual value as a percentage of the vehicle price, from the lease quote.
  4. Choose whether your rate is a money factor or an APR and enter it.
  5. Set the sales tax rate and the term in months, then read the payment and its breakdown.

שאלות נפוצות

A money factor is the lease equivalent of an interest rate, written as a small decimal such as 0.0025. Multiply it by 2400 to get the approximate APR — 0.0025 is about 6%.

The residual value is what the leasing company predicts the car will be worth at the end of the lease, set as a percentage of the original price. A higher residual means less depreciation to pay for, so a lower monthly payment.

Monthly depreciation = (net cap cost − residual value) ÷ term. Monthly finance charge = (net cap cost + residual value) × money factor. Add the two, then add sales tax on that total.

Because the lender has capital tied up in the entire vehicle for the whole term, not just the portion you consume. That is why the formula adds the net cap cost and the residual before applying the money factor.

It lowers the payment, but if the car is written off early the down payment is generally not refunded. Many advisors prefer a small or zero cap cost reduction and a slightly higher monthly figure. Fees such as acquisition and disposition charges are not included in this estimate.
שתף זאת
כלים קשורים
מחשבון משכנתא חינם
מחשבון הלוואה חינם
מחשבון הלוואת רכב חינם
Mortgage Refinance Calculator חינם
מחשבון ריבית דריבית חינם
מחשבון ROI להשקעה חינם
מחשבון פרישה חינם
מחשבון לוח סילוקין חינם
מחשבון סילוק כרטיס אשראי חינם
מחשבון משכורת חינם
מחשבון שכר נטו חינם
מחשבון מס הכנסה חינם
חיפושים פופולריים
car lease calculator auto lease calculator lease payment calculator money factor to apr money factor calculator lease residual value calculator monthly lease payment estimate car leasing cost calculator
צריך עזרה?
נתקלת בבעיה בכלי הזה? ספר לצוות שלנו.
דיווח על בעיה

הוסיפו כלי חינמי זה לאתר שלכם — העתיקו והדביקו את הקוד שלהלן.