Auto Lease Calculator

You never own the car — you pay for its depreciation plus a finance charge. A lease payment = (cap cost − residual) ÷ term + (cap cost + residual) × money factor.

MSRP / vehicle price

The car’s sticker price.

Capitalized cost (negotiated)

The price you actually negotiate — usually below MSRP.

Residual

Residual value %

Projected value at lease end — often 50–65%.

Lease term (months)

Money factor OR APR %

Enter the APR — we convert to money factor (APR ÷ 2400).

Down payment & fees

Due at signing (excluding first payment).

🚘 Depreciation math

The real cost of a lease.

💵 Money factor

APR converted to the dealer’s unit.

📈 Residual %

See how residual drives the payment.

🤑 Total cost

Know the full outlay including down payment.