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Auto Lease Calculator
by tools1
2025. 9. 3.
Auto Lease Calculator
Auto Lease Calculator
(Estimate your monthly lease payments & total cost)
Enter Your Lease Details:
Vehicle Price (MSRP): $_______
Negotiated Sale Price: $_______ (if lower than MSRP)
Lease Term: _______ months (typically 24–36 months)
Down Payment: $_______ (optional; often $0–$5,000)
Trade-In Value: $_______ (if applicable)
Money Factor (Interest Rate): _______ *(e.g., 0.0025 = ~6% APR)*
Residual Value %: _______ (e.g., 60% after 3 years)
Calculate Your Lease:
🚗 Monthly Payment: $_______
💰 Total Lease Cost: $_______ (monthly × term + fees)
📉 Mileage Limit: _______ miles/year (standard: 10,000–15,000)
(How much you’ll pay over the lease term!)
How It Works:
Key Formula:
Monthly Payment = (Depreciation + Interest) + Taxes/Fees
Depreciation = (Sale Price - Residual Value) ÷ Lease Term
Interest = (Sale Price + Residual Value) × Money Factor
Example (2024 Toyota Camry LE):
MSRP: $28,000 | Sale Price: $26,000
Term: 36 months | Residual: 60% ($16,800)
Money Factor: 0.0025 (~6% APR) | $0 Down
Monthly Payment: ~$350
Total 3-Year Cost: $12,600 + fees
Key Factors Affecting Payments:
✔ Residual Value %: Higher % = Lower payments.
✔ Money Factor: Lower = Better (convert to APR by × 2,400).
✔ Down Payment: Reduces monthly cost but increases risk if car is totaled.
Pros & Cons of Leasing:
✅ Pros:
Lower monthly payments vs. buying.
Drive a new car every few years.
Covered under warranty (fewer repair costs).
❌ Cons:
No ownership (you return the car).
Mileage limits (excess fees: ~$0.15–$0.30/mile).
Early termination penalties.
Try It:
🔹 $30,000 car, 36 months, 60% residual → $_______/month
🔹 $40,000 car, 24 months, 55% residual → $_______/month
(Note: Fees like acquisition ($500–$1,000) and disposition ($300–$500) may apply.)
