Auto Lease Calculator
Estimate your monthly lease payment, due at signing, depreciation charge, and finance charge. Mileage warnings included.
Estimate only. Estimate only. Not a loan offer, lender quote, dealer quote, lease agreement, retail installment sales contract, DMV estimate, or financial advice. Actual rates, payments, taxes, fees, incentives, residual values, insurance, fuel, and maintenance costs may vary.
Equivalent APR ≈ 3.60%. Equivalent money factor ≈ 0.00150.
Estimated monthly lease payment
$543.08
Due at signing (estimate)
$3,788.08
Adjusted cap cost
$37,245.00
Residual amount
$22,000.00
Depreciation charge
$423.47
Finance charge
$88.87
Monthly tax
$30.74
Total lease cost
$22,795.88
Estimated excess mileage cost
$0.00
info: Lease tax estimate only
Lease tax treatment varies by state, locality, and leasing company. This calculation uses a single selectable rule and is an estimate only.
Assumptions usedv2026-05-04
- Money factor0.00150
- Term36 months
- Tax treatmentmonthly payment
Auto Lease Estimate
Car Finance Tools · https://carfinancetools.com
Generated: 2026-05-06T01:52:29.499Z · Assumptions version: 2026-05-04
Inputs
- MSRP
- $40,000.00
- Selling price
- $38,000.00
- Term
- 36 months
- Residual
- 55% of MSRP
- Rate
- Money factor 0.00150
- Tax treatment
- monthly_payment
Results
- Monthly payment
- $543.08
- Due at signing
- $3,788.08
- Adjusted cap cost
- $37,245.00
- Residual amount
- $22,000.00
- Depreciation charge
- $423.47
- Finance charge
- $88.87
Assumptions
- Money factor: 0.00150
- Term: 36 months
- Tax treatment: monthly payment
Warnings and notes
- Lease tax estimate only: Lease tax treatment varies by state, locality, and leasing company. This calculation uses a single selectable rule and is an estimate only.
Estimate only. Not a loan offer, lender quote, dealer quote, lease agreement, retail installment sales contract, DMV estimate, or financial advice. Actual rates, payments, taxes, fees, incentives, residual values, insurance, fuel, and maintenance costs may vary.
How this is calculated
Depreciation = (adjusted cap cost − residual) ÷ term. Finance charge = (adjusted cap cost + residual) × money factor. Base monthly payment = depreciation + finance charge. Monthly tax depends on the selected lease-tax treatment.
Adjusted cap cost = selling price + acquisition + dealer + registration + rolled-in amounts − cap-cost reduction − trade-in credit − rebates.
Frequently asked questions
- What is money factor?
- Money factor is the lease equivalent of an interest rate. Approximate APR ≈ money factor × 2400.
- What is residual value?
- Residual is the lease company's projected value of the vehicle at lease end. Higher residuals lower depreciation cost and your monthly payment.
- Is this a lease agreement?
- No. This is an educational estimate. Lease offers, residuals, and money factors come from leasing companies and dealers.
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