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Car Lease Calculator
Free car lease calculator: your monthly payment from the car price, down payment, residual value, APR (money factor), term and sales tax, with the total lease cost and the buyout price.
Your lease
Monthly payment
$552.28
| Depreciation a month | $380.42 |
| Finance charge a month | $135.74 |
| Tax a month | $36.13 |
| Money factor | 0.00250 |
| Total lease cost | $21,882 |
| Buyout at the end | $20,300 |
Payment = (capitalized cost − residual) ÷ months + (capitalized cost + residual) × money factor, plus tax. Negotiate the car price as if buying, and ask for the money factor in writing. Check the mileage cap: extra miles often cost 15 to 30 cents each.
Some states tax the full price up front; this applies tax to the monthly payment, as most states do. Not legal, tax or financial advice. 🔒 Everything stays on your device.
📚 Official sources: CFPB: auto loans and leases
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
How is a car lease payment calculated?+
Depreciation ((price − residual) ÷ months) plus a finance charge ((price + residual) × money factor), plus sales tax.
How do I convert a money factor to APR?+
Multiply by 2,400. A money factor of 0.0025 is 6% APR.