Lease Calculator
See how the lease numbers fit together.
Enter your lease quote numbers
Use the rates, residual, incentives, taxes, and fees shown on your quote.
The sticker price, before discounts or add-ons.
The negotiated price, before incentives.
Reference only. Use the residual for this mileage allowance.
The lender's estimated lease-end value as a percentage of MSRP. Use the figure for this term and mileage allowance.
Enter the quote's money factor, used to calculate the rent charge. Multiply it by 2,400 for a rough annualized rate comparison.
Enter incentives your quote treats as taxable.
Enter the quote's total cash due at signing: first payment, fees, registration, upfront tax, and any cap-cost reduction. Exclude refundable deposits. Enter $0 for a true sign-and-drive lease.
Enter the rate shown on your quote or for the vehicle's registration address.
Enter incentives your quote treats as untaxed.
Enter the trade value shown on the quote. The calculator subtracts the payoff separately.
Enter the remaining loan payoff shown on the quote. A payoff above the allowance becomes old loan debt rolled into the lease.
Enter the lender's lease setup fee from the quote.
Include the documentation (doc) fee and other dealer charges your quote treats as taxable.
Enter title, registration, and other government charges. Exclude any weight fee entered separately.
Charged by the lender if you return the car at lease end. Counted in the scheduled-return cost only.
Enter any separate tax-inclusive charge added to every payment. It does not change residual or rent-charge math.
Enter incentives received after signing. They reduce scheduled-return cost only.
Enter the deposit count, per-deposit money-factor reduction, and total refundable deposit from your quote.
From your quote — for example, 0.00008 per deposit.
Enter the lender quote's actual total. Deposit sizing is lender-specific; this tool does not estimate it from the payment.
Estimates for education and planning only—not an offer, quote, tax determination, or approval. Actual payments, rates, residuals, taxes, and fees depend on the dealer, lender, contract, and applicable state and local rules. If you want help comparing these estimates with an actual proposal, request a free deal review.
Nothing you enter is stored or sent anywhere — the math runs entirely in your browser.
Free, personalized guidance
Make the next car decision with the full picture.
Bring the offer, the question, or the decision you're weighing. We'll help you understand the tradeoffs; the final choice remains yours.