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CalcVerdict

Auto Lease Calculator

Estimate a vehicle lease payment, depreciation, and total scheduled cost from negotiated price, residual value, rate, term, and upfront reduction.

FinancialWorks without JavaScriptReviewed 2026-08-26

Inputs

Your numbers

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Result

Enter your values and press Calculate to see the result here.

Formulas verified against the primary sources cited below. Last checked 2026-08-26.

Built and maintained by Eddy Bo, founder of CalcVerdict.

How does this calculator work?

The estimate separates depreciation from rent charge. It uses negotiated capitalized cost, residual value as a percentage of MSRP, a term in months, and an APR-equivalent rate. Taxes and contract fees are excluded.

What questions do people ask about this calculator?

What is residual value?

It is the estimated vehicle value at the end of the lease, expressed here as a percentage of MSRP.

What is a money factor?

Leases commonly quote a money factor; this calculator accepts an APR-equivalent estimate and uses APR divided by 2,400.

Are taxes included?

No. Sales tax, acquisition fees, registration, mileage charges, and disposition fees are excluded.

Does a down payment always help?

It lowers modeled depreciation cost, but ask about risk and how the contract treats an early total loss.

Is this an offer?

No. The signed lease worksheet and lessor disclosures control.

Sources