Auto Lease Calculator
Build a monthly lease payment from capitalized cost, residual percent, term, and a money factor or APR. Fees you type add to total cost. Informational, not a dealer quote.
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How to estimate an auto lease payment
- Enter MSRP and the capitalized cost after discounts you want to model.
- Enter residual percent and lease months.
- Enter a money factor, or leave it at 0 and enter APR for conversion.
- Add known fees if you want them in the total of payments.
- Read monthly payment, depreciation, rent charge, and total with fees.
Auto lease payment
Depreciation plus rent charge
| Residual | MSRP × residual percent |
|---|---|
| Depreciation | (cap cost - residual) / months |
| Rent charge | (cap cost + residual) × money factor |
| Money factor | Typed MF, or APR / 2400 |
| Upload | None. Runs in this browser |
| Advice | Informational. Not a dealer quote. |
What this lease page estimates
Monthly payment is depreciation plus rent charge. Residual is a percent of MSRP. Money factor can be entered directly or derived from APR as APR divided by 2400. Typed fees add to the total of payments.
Formulas used
residual = MSRP × residualPct / 100. depreciation = (capCost - residual) / months. rentCharge = (capCost + residual) × moneyFactor. monthly = depreciation + rentCharge. Tax and mileage overage stay out of the model.
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Use cases
Compare residual assumptions on the same cap cost. Convert an APR quote into an approximate money factor. See how fees change total cost. Not a signed dealer worksheet.
Worked example
MSRP $40,000, cap cost $38,000, 55% residual, 36 months, and money factor 0.0015 yields a monthly payment split into depreciation and rent charge, plus an approximate APR of money factor times 2400.
Limits
Excludes sales tax, acquisition fees you did not type, and mileage overage. Informational, not a dealer quote. See the disclaimer. Nothing is uploaded.