Auto Lease Calculator
Estimate auto lease payment, residual value, tax, and total lease cost from lease assumptions.
- Last reviewed
- July 8, 2026
- Cost
- Free to use
- Data
- Runs in your browser
Residual Value
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Base Lease Payment
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Payment With Tax
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Total Lease Cost
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Methodology
How this calculator handles inputs
This calculator uses the values you enter above and applies the formula explained in the guide below. Results update in the browser and are intended for quick planning, comparison, and sanity-checking.
- Use consistent periods, currencies, and units across inputs.
- Review any assumptions before using the result in a decision.
- Recalculate when rates, prices, tax rules, or business terms change.
Guide
How it works
Use this calculator to estimate an auto lease payment from MSRP, negotiated price, residual value, money factor, term, down payment, and tax.
What this calculator does
The auto lease calculator estimates base payment, payment with tax, residual value, and total lease cost.
Formula
Depreciation fee = (capitalized cost - residual value) / term
Finance fee = (capitalized cost + residual value) x money factor
Lease payment = depreciation fee + finance fee
How to use it
Enter the vehicle MSRP, negotiated price, residual percentage, money factor, lease term, down payment, and sales tax rate.
Common mistakes
- confusing APR with money factor
- comparing lease payment without down payment
- ignoring mileage and end-of-lease fees
FAQs
What is money factor?
Money factor is the lease financing charge. A rough APR estimate is money factor x 2400.
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