Estimate a car lease payment from vehicle price, residual value, money factor, down payment, trade-in, fees, tax, and term.
$36,000 vehicle, 36 months lease
Ask for the amount due at signing, total lease amount, mileage allowance, excess-mile charge, acquisition fee, disposition fee, security deposit, wear rules, purchase option, and early termination rules in writing.
Estimate a monthly car lease payment before reading the contract.
Separate depreciation fee, finance fee, and estimated tax.
Compare residual value, lease term, money factor, down payment, and trade-in changes.
Check whether a low monthly lease quote hides a large amount due at signing or strict mileage limits.
About $542.97/month
About $475.04/month
About $432.70/month
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Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it when you want to test the exact inputs on this page: Estimate a monthly car lease payment before reading the contract. Separate depreciation fee, finance fee, and estimated tax. The result is a check against your assumptions, not proof that a lender, tax app, broker, platform, or provider will use the same number.
Vehicle price means the negotiated price or gross capitalized cost before this simple estimate subtracts down payment and trade-in value. Residual value means the expected lease-end value in dollars. Enter the dollar amount from the quote, not the residual percent. Money factor means the lease finance-rate factor shown as a small decimal, such as 0.0025. Enter it as shown in the quote. Lease term means the number of months in the lease, such as 24, 36, or 48 months. Fees and tax rate means fees added into the estimate and the tax rate applied to the pretax monthly lease payment.
Residual value is the estimated value of the car at the end of the lease. A higher residual value usually lowers the depreciation part of the monthly payment, but it can also affect the buyout price if the lease has a purchase option.
Money factor is the lease finance factor used to estimate the rent-charge part of the payment. It is not typed like an APR. If the quote says 0.0025, enter 0.0025.
A signed quote can include acquisition fees, disposition fees, security deposit, registration, taxes, mileage rules, wear charges, rebates, credit approval, and add-ons that this simple calculator cannot verify.
In plain language: Adjusted capitalized cost = vehicle price + fees - down payment - trade-in. Depreciation fee = (adjusted cost - residual value) / term. Finance fee = (adjusted cost + residual value) x money factor. Monthly payment = depreciation fee + finance fee + tax. For the $36,000 example, adjusted cost is $34,450 after $950 fees and $2,500 down. The calculator estimates about $373.61 depreciation fee, $138.63 finance fee, and $30.73 tax for about $542.97/month.
Read the monthly payment, then check adjusted capitalized cost, depreciation fee, finance fee, and total lease cost. A lower monthly payment can still be a worse deal if the amount due at signing, mileage limit, or lease-end fees are high.
This is a lease-payment estimate, not a contract review. It does not verify mileage limits, wear charges, registration, insurance, maintenance, security deposits, lease-end buyout terms, early termination charges, credit approval, or every fee in the signed lease. Use this for lease math, not legal or dealer-contract advice. CFPB and FTC guidance both warn that lease ads and low monthly payment offers can leave out important costs unless you get the full terms in writing.
Ask for the amount due at signing, total lease amount, mileage allowance, excess-mile charge, acquisition fee, disposition fee, security deposit, wear rules, purchase option, and early termination rules in writing.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.