Lease Payment Calculator

Calculate an estimated car lease payment, depreciation fee, finance charge, sales tax, residual value, drive-off cost, and total lease cost. Use this lease payment calculator to compare vehicle price, residual value, money factor, lease term, down payment, fees, and mileage charges.

Calculate Lease Payment

Lease Payment = Depreciation Fee + Finance Charge + Sales Tax. Depreciation Fee = Adjusted Cap Cost − Residual Value ÷ Lease Term.
Your result will appear here.

How the lease payment calculator works

Monthly lease payment:
Uses selling price, residual value, lease term, money factor, taxes, fees, rebates, and upfront reductions to estimate the lease payment.

Residual value:
Calculates the expected vehicle value at the end of the lease from MSRP and residual percentage.

Drive-off cost:
Estimates the amount due at signing, including down payment, first payment, fees, and extra upfront costs.

Mileage charge:
Compares expected miles with allowed miles to estimate potential excess mileage charges.

Why use a lease payment calculator?

A lease payment calculator helps estimate the monthly cost of leasing a vehicle before signing a lease agreement.

It can help compare lease offers, money factors, residual values, selling prices, mileage limits, and upfront costs.

What your result means

Your result shows estimated monthly lease payment, pre-tax payment, depreciation fee, finance charge, sales tax, residual value, adjusted capitalized cost, drive-off cost, total lease cost, effective monthly cost, and possible mileage charges. These are estimates based on the values you enter.

Lease payment calculator formulas

Frequently asked questions

How do you calculate a lease payment?

Estimate depreciation fee, finance charge, and sales tax, then add them together to get the monthly lease payment.

What is residual value on a lease?

Residual value is the estimated value of the vehicle at the end of the lease. A higher residual value usually lowers the lease payment.

What is money factor?

Money factor is the lease finance charge factor. To estimate an APR-like rate, multiply the money factor by 2400.

What is drive-off cost?

Drive-off cost is the amount due at signing, which may include down payment, first month payment, taxes, fees, and other upfront charges.