Car Lease Calculator
MSRP / Sticker Price ($)
Residual Value (%)
Money Factor
Lease Term (months)
Down Payment ($)
A car lease payment is calculated from the vehicle depreciation over the lease term plus a finance charge (money factor). Leasing gives lower monthly payments but builds no equity.
- 1Depreciation fee = (Cap cost − Residual) / Term
- 2Finance fee = (Cap cost + Residual) × Money factor
- 3Monthly = Depreciation + Finance + taxes
- 4APR ≈ Money factor × 2,400
MSRP $35k, 55% residual, money factor 0.002, 36mo=Monthly ≈ $546
| Factor | Lease | Buy |
|---|---|---|
| Monthly cost | Lower | Higher |
| Equity | None | Builds over time |
| Mileage | Limited | No limit |
| End of term | Return car | Own it |
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