Car Lease Calculator

You control the cap cost negotiation; the rest is math. Reducing cap cost $1k saves ~$28/month. Dealers often quote monthlies, but cap cost is the real lever.

It's the finance charge, expressed as a decimal. Multiply by 2,400 to get APR equivalent. 0.002 ≈ 4.8% APR. Shop around—rates vary by lender and credit.

Return car in good condition (excess wear charges apply). Pay disposition fee (~$395). Excess miles cost $0.15–0.30 each. Then get new car or buy out the residual.