Reproduce a lease disclosure or compare scheduled lease return with buying and selling, including the loan balance still owed at sale.
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Reproduce a disclosed vehicle-lease periodic-payment scenario while keeping capitalized cost, upfront money, recurring charges, and omitted contract terms distinct.
Understand the pieces of a quoted periodic payment.
Copy gross capitalized cost, reduction, residual, money factor, term, and recurring charges from the disclosure.
Can reconcile depreciation, rent charge, base payment, and periodic payment without substituting MSRP.
Compare two lease disclosures on the same cost basis.
Enter one disclosure at a time, preserve the exact inputs, and compare periodic payment and modeled scheduled cost.
Does not double-count cap reduction or treat a nominal APR comparison as the legal APR of a loan.
See costs that payment arithmetic does not capture.
Review mileage, wear, disposition, purchase-option, insurance, and early-termination terms in the source contract.
Does not authorize the lease from the calculator total alone.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Reproduce amount financed and fixed monthly payments with itemized fees, add-ons, trade allowance, prior-loan payoff, cash and credits.
Annualize an entered auto insurance quote and inspect one deductible subtraction using the policy term, fees and a hypothetical covered loss.
Turn an entered monthly vehicle budget into a loan and price ceiling after running costs, cash, net trade equity and taxes or fees.
Gross cap cost is the disclosed amount, not automatically MSRP. Money factor × 2,400 is only a nominal rate comparison.
Base payment = (adjusted cap cost − residual) ÷ months + (adjusted cap cost + residual) × money factorUse one complete lease term and consistent operating costs. Buying includes scheduled loan payments made through sale and the remaining modeled loan principal.
Lease = upfront + scheduled payments + end charges + operating; buy = upfront + payments made + remaining loan + end charges + operating − gross sale proceedsThe buy loan assumes a fixed contract interest rate and end-of-month amortization. Obtain the lender’s actual payoff for a transaction. No discounting or tax deduction is applied.
Lease − buy: negative favors the entered lease cost; positive favors the entered buy costUpdated: September 2026
$42,000 gross cap cost, $3,000 reduction, $24,360 residual, factor 0.00125 and 36 months, with $45 monthly taxes/fees.
→ $530.87 periodic payment; separate upfront and return terms still need review.
36-month lease: $2,000 upfront, $400/month, $600 end, $3,000 operating. Buy: $5,000 upfront, $30,000 zero-interest loan for 60 months, $2,000 operating, $18,000 sale.
→ Lease $20,000; buy $19,000, including $12,000 outstanding loan principal; difference $1,000.
Add the loan still owed at sale or use a consistently defined equity figure, never a mixture.
Count every scheduled payment once; separate only other upfront amounts.
Use the disclosure mode for adjusted capitalized cost, residual, money factor and entered taxes or fees. Use Lease return or buy and sell for the same full scheduled lease period. Keep every upfront payment, operating cost, end charge and remaining loan balance visible.