Car Lease Payment Calculator
Last updated: October 15, 2026
Estimate a monthly vehicle lease payment from negotiated price, residual value, money factor, term, fees, down payment and sales tax.
Estimated monthly lease payment
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- Estimated residual value: —
- Monthly depreciation charge: —
- Monthly finance charge: —
- Estimated total lease outlay: —
On this page
Quick summary: Estimate a monthly vehicle lease payment from negotiated price, residual value, money factor, term, fees, down payment and sales tax.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a monthly vehicle lease payment from negotiated price, residual value, money factor, term, fees, down payment and sales tax.
How to use it
Enter Vehicle MSRP ($); Negotiated vehicle price ($); Down payment or cap-cost reduction ($); Residual value (% of MSRP); Money factor; Lease term (months); Acquisition and other financed fees ($); Sales tax on payment (%). Select Calculate to update the results.
How the calculation works
Adjusted capitalized cost equals negotiated price plus financed fees minus the cap-cost reduction. Monthly depreciation is the difference between adjusted cost and residual divided by the lease term; the money factor produces the finance charge.
Worked example: starting scenario
| Vehicle MSRP ($) | 45000 |
|---|---|
| Negotiated vehicle price ($) | 42000 |
| Down payment or cap-cost reduction ($) | 3000 |
| Residual value (% of MSRP) | 58 |
| Money factor | 0.002 |
| Lease term (months) | 36 |
| Acquisition and other financed fees ($) | 1200 |
| Sales tax on payment (%) | 7 |
| Estimated monthly lease payment | $560.97 |
|---|---|
| Estimated residual value | $26,100.00 |
| Monthly depreciation charge | $391.67 |
| Monthly finance charge | $132.60 |
| Estimated total lease outlay | $23,194.75 |
Important limitations
Real lease quotes may include registration, disposition fees, security deposits, mileage limits, incentives, taxes calculated differently by state and dealer-specific terms.