Car Lease Calculator

Calculate monthly payments, compare lease vs buy, estimate early termination costs, and analyze mileage tiers.

Classic green car parked at a gas station in Istanbul, Türkiye, under overcast weather.

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Vehicle & Pricing

Customers shaking hands with dealer in showroom, sealing car purchase deal.

Photo by Vitaly Gariev / Pexels

Lease Terms

Two modern Audi cars, red and white, parked in a serene forest setting.

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Loan Terms (for comparison)

A lineup of parked cars at a bustling industrial shipping port with cranes and containers.

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Early Termination Estimator

Leave market value empty to use straight-line depreciation estimate.

Close-up image of a car dashboard highlighting speedometer, odometer, and temperature gauge.

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Mileage Tier Comparison

Compares how different annual mileage allowances affect your monthly payment via residual value changes. Higher mileage = lower residual = higher payment.

Customers shaking hands with dealer in showroom, sealing car purchase deal.

Photo by Vitaly Gariev / Pexels

How Car Lease Payments Work

A lease payment consists of three components:

Depreciation: The difference between the negotiated price (capitalized cost) and the residual value, divided by the lease term. This is the largest portion of your payment.

Finance Charge: Calculated by adding the capitalized cost and residual value, then multiplying by the money factor. The money factor is roughly APR / 2400.

Sales Tax: Applied to the sum of depreciation and finance charge at your local rate.