자동 임대 계산기

Calculate your car lease payment with money factor and residual value. See monthly payment, due at signing, and cost breakdown.

Vehicle & Lease Terms

$
$
$

% of MSRP

≈ 3.00% APR

$

Enter MSRP, negotiated price, term, residual %, and money factor to see your monthly lease payment and breakdown.

전체 사용자 가이드

What is the Auto Lease Calculator?

This calculator estimates your monthly car lease payment using the standard lease formula: depreciation plus finance charge (rent charge), plus sales tax. You enter MSRP, negotiated price, lease term, residual percentage (of MSRP), and money factor. The money factor is the lease equivalent of interest rate; multiply by 2400 to get approximate APR.

Auto Lease Payment Formula

Monthly payment has three parts: depreciation, finance charge, and tax:

Depreciation = (Adjusted Cap Cost − Residual) / Term

Finance charge = (Adjusted Cap Cost + Residual) × Money Factor

Monthly = Depreciation + Finance charge + (base × tax rate)

APR equivalent:

APR ≈ Money Factor × 2400. Example: 0.00125 × 2400 = 3% APR.

주요 개념

Money factor

The lease equivalent of interest rate. APR ≈ Money Factor × 2400. Lower is better.

Residual value

Estimated value of the car at lease end, usually as a percentage of MSRP. Higher residual means lower monthly payment.

Capitalized cost

The amount being financed: negotiated price plus fees, minus down payment and rebates. Lower cap cost means lower payment.

이 계산기를 사용하는 방법

  1. Enter the car's MSRP and your negotiated price.
  2. Enter down payment, lease term in months, residual %, and money factor (from the dealer).
  3. Add sales tax rate and acquisition fee if known.
  4. Click Calculate Lease to see monthly payment, due at signing, and charts.
  5. Use the charts to see how much of your cost is depreciation vs finance charge vs tax.

결과 이해

Monthly payment

The amount you pay each month. It includes depreciation, finance charge, and sales tax.

Due at signing

First payment, down payment, acquisition fee, and doc fee—typically required when you sign the lease.

Total lease cost

Sum of all monthly payments plus down payment and acquisition fee. Cost per mile assumes 12,000 miles per year.

차트 이해

총 비용 분석

A doughnut chart showing total depreciation, total finance charges, and total tax over the lease.

Monthly Breakdown (First 12 Months)

Stacked bar chart showing depreciation, finance charge, and tax in each of the first 12 payments.

중요 사항

  • Results are estimates. Actual terms depend on the lessor and your credit.
  • Due at signing typically includes first payment, down payment, acquisition fee, and doc fee.
  • Mileage limits, wear-and-tear, and end-of-lease fees are not included. Check the lease contract.

📤 Share This Tool