Auto Lease Calculator
Last updated: October 15, 2026
Estimate an auto lease payment from negotiated price, residual value, money factor, term, fees, and sales tax.
Estimated monthly lease payment
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- Base payment before tax: —
- Monthly depreciation: —
- Monthly finance charge: —
On this page
Quick summary: Estimate an auto lease payment from negotiated price, residual value, money factor, term, fees, and sales tax.
Read the complete guide
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator does
Estimate a vehicle lease payment using adjusted capitalized cost, residual value, money factor and term.
How to use the calculator
Use the inputs and units named in this form. Select Calculate after changing the values.
How the calculation works
Adjusted capitalized cost = negotiated price - down payment or trade credit + financed fees. Monthly depreciation = (adjusted cost - residual value) / lease months. Monthly finance charge = (adjusted cost + residual value) x money factor. This tool adds depreciation and finance charge, then applies the entered payment tax percentage.
Worked example
Price 40,000, down payment 3,000 and financed fees 1,000 give adjusted cost 38,000. Residual 24,000 over 36 months gives 388.89 depreciation. A money factor of 0.002 adds 124 finance charge. At 7% payment tax, the estimate is 548.79 monthly.
How to interpret the result
Compare the result with the assumptions and units shown above. The calculation uses the values entered into this page.
Assumptions and limitations
Tax treatment, upfront charges, mileage limits, wear charges, disposition fees and early termination costs are not modeled. Enter a money factor as a decimal; it is not the annual interest percentage. Compare the estimate with the actual lease disclosures.
Common mistakes
Check the units and time period before calculating. An error message means the result cannot be calculated from the current inputs.
Privacy
The calculation runs in your browser. This form needs the numerical inputs shown, not names, account numbers or passwords.
Frequently asked questions
Is money factor the same as APR?
No. This form expects the lease money factor used in the rent-charge formula.
Are capitalized fees paid upfront?
The fees input represents fees included in the financed lease cost. Other upfront charges are separate.
Does the result include end-of-lease charges?
No. Mileage, wear and disposition charges are outside this monthly-payment estimate.