Calculate Car Lease Payments & Total Cost Instantly
Calculate monthly car lease payments from MSRP, negotiated price, residual value, and money factor. See depreciation fee, finance fee, effective APR, and total lease cost.
How to Use Car Lease Calculator
How to Use Car Lease Calculator
Select a Preset (Optional): Click one of the example presets (Economy Car, Mid-Size SUV, Luxury Sedan, Pickup Truck) to pre-fill realistic values and see how the calculator works.
Enter Vehicle MSRP: Input the manufacturer's suggested retail price (sticker price) of the vehicle. This is used to calculate the residual value.
Enter Negotiated Sale Price: Input the price you negotiated with the dealer (also called the capitalized cost). This should be less than or equal to the MSRP.
Enter Residual Value (%): Input the residual value as a percentage of MSRP. This is the estimated value of the car at the end of the lease, provided by the leasing company (typically 45–60%).
Enter Money Factor: Input the lease's money factor provided by the dealer (e.g., 0.00150). Multiply by 2400 to convert to an approximate APR.
Select Lease Term: Choose the lease duration — 24, 36, 48, or 60 months. Most leases are 36 months.
Enter Down Payment: Input your upfront cash payment (cap cost reduction). A lower down payment is often recommended for leases since it is non-recoverable if the car is totaled.
Enter Sales Tax Rate: Input the applicable sales tax rate for your state or region (e.g., 7 for 7%).
Click Calculate Lease: Press the button to see your monthly payment, cost breakdown, effective APR, and total lease cost.
Review the Results: Check the monthly payment (before and after tax), depreciation fee, finance fee, effective APR, residual value, and total lease cost summary.
Reset Anytime: Click the Reset button to clear all inputs and start a new calculation.
Frequently Asked Questions
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