Financing
Car Lease Calculator
Estimate a US vehicle lease payment including depreciation, finance charge, sales tax and drive-off costs.
Reviewed September 8, 2026
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Your estimate
Estimated monthly payment$545.53
Residual value$24,360.00
Adjusted capitalized cost$38,000.00
Approximate APR5.04%
Total lease outlay$22,139.23
Estimate only — actual figures may vary.
Quick answer
Estimate a lease payment from the lease variables
This calculator combines depreciation charge, rent charge and sales tax to estimate a monthly US vehicle lease payment.
The method
US lease-payment method
Monthly depreciation and rent charge are calculated from capitalized cost, residual value and money factor, then sales tax is added.
Residual is usually based on MSRP.
Multiply money factor by 2,400 for an approximate APR.
Disposition and excess-mileage charges are excluded.
Car lease questions
What is money factor?
Money factor is the finance-rate input used in leases. Multiplying it by 2,400 gives an approximate APR equivalent.
Why is residual based on MSRP?
Lease residuals are usually set as a percentage of MSRP, not the negotiated selling price.