Car Lease Complete Calculator

Lease vs. buy comparison, buyout analysis, and mileage penalty calculator—all in one tool.

Lease inputs

Adjust vehicle pricing, lease term, and taxes to recalculate instantly.

APR 3.00%

MSRPManufacturer's suggested retail price

10,000150,000

Negotiated PriceActual sale price after negotiation

10,000150,000

Residual ValueTypically 50-60% of MSRP

30.00%80.00%

Down PaymentUpfront payment (capitalized cost reduction)

020,000

Money factor3.00% APR

Fine-tune lease interest or convert directly from APR.

Lease term

Annual mileage

Sales Tax RateYour state/local sales tax rate

0.00%15.00%

Acquisition FeeDealer acquisition/bank fee (typically $300-$1000)

02,000

Mileage planning

Track your projected mileage and penalty assumptions.

Current/Projected Mileage

All miles driven (or expected) during the lease term.

Mileage penalty ($/mile)

Find this in your contract (typically $0.20-$0.35).

Scenario planning

Optional comparisons and end-of-lease analysis.

Lease vs. buy

Compare payments and net cost against buying.

Lease buyout

See equity, penalties, and whether buying makes sense.

Add payoff, market value, and wear estimates to get a personalized buyout recommendation.

Lease snapshot

Live monthly payment and due-at-signing overview.

Synced

Monthly payment

$440.079

Due at signing

$3,435.079

Total lease cost

$19,232.839

Residual value

$19,250

Payment details

See how depreciation, interest, and taxes build the payment.

Monthly breakdown

Depreciation$345.69

Interest (money factor)$63.68

Base payment$409.38

Sales tax$30.70

Total$440.08

Due at signing

First month payment$440.08

Down payment$2,000

Acquisition fee$695

Registration fees$300

Mileage insights

Real-time penalty outlook based on your usage.

2,000 miles over

Allowed miles

36,000

Current miles

38,000

Penalty cost

$500

Mileage usage

100%

Penalty outlook

Minor overage: 2,000 miles over. Penalty: $500. This is acceptable; just budget for it at lease end.

Cost breakdown

Visualize how fees and payments stack up.

Updated live

Monthly Payments

$15,842.839

Down Payment

$2,000

Fees

$1,390