Car Lease Calculator

Estimate a car lease payment from the capitalized cost, residual value, and money factor — before tax.

Your details

Capitalized cost$Negotiated price minus any down payment.Residual value$Expected value at lease end.Money factorMultiply by 2400 for the approximate APR (0.0025 ≈ 6%).Lease term

Monthly lease payment

$554.17

Depreciation portion: $416.67
Finance portion: $137.50
Total of payments: $19,950.00

Depreciation vs finance

Depreciation: $416.6775%
Finance charge: $137.5025%

Monthly lease payment$554.17

Formula

Monthly = (cap cost − residual) ÷ term + (cap cost + residual) × money factor. APR ≈ money factor × 2400.

Sources & methodology

Money-factor method, before sales tax and fees.

•CFPB — auto leases — CFPB

Last updated: 2026-07-20

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Auto Loans: How to Get the Best DealHow to finance a car smartly: price vs payment, down payment, trade-in, sales tax, term length, and credit score.How Car Lease Payments Work (Money Factor Explained)Car lease payments explained: depreciation, finance charge and tax, how the money factor converts to APR, and what residual value means.

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