Car Lease Calculator
Estimate your monthly car lease payment from cap cost, residual value, money factor and term, with the depreciation and finance charge broken out.
關於 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.
如何使用 Car Lease Calculator
- Enter the negotiated vehicle price you expect to agree — this is the capitalized cost.
- Add any down payment (capitalized cost reduction).
- Enter the residual value as a percentage of the vehicle price, from the lease quote.
- Choose whether your rate is a money factor or an APR and enter it.
- Set the sales tax rate and the term in months, then read the payment and its breakdown.