Car lease calculator

Estimate a conventional lease payment from adjusted cost, residual, term and money factor.

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Adjusted capitalized cost

Residual value

More inputs and assumptions

Lease months

Money factor

Tax on monthly payment (%)

Answer

…

Estimate a conventional lease payment from adjusted cost, residual, term and money factor.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Saved scenario

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Formula and assumptions

Base payment = (capitalized cost − residual)/months + (cost + residual) × money factor. Applies a user-entered tax to the monthly payment only; some jurisdictions tax leases differently. Upfront charges, mileage and disposition fees are excluded. Fixed assumptions only: no taxes, fees, changing returns, guarantees or product eligibility. Amounts share one currency.

Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

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Updated 2026-09-26

Using Car lease calculator

Estimate a conventional lease payment from adjusted cost, residual, term and money factor.

Next: Auto loan calculator

A worked example

Example inputs: adjusted capitalized cost = 30000, residual value = 18000, lease months = 36, money factor = 0.002, tax on monthly payment (%) = 0. Monthly lease payment = 429.333333333.

Before you use the result

Example results for adjusted capitalized cost

These examples use Residual value: 18000; Lease months: 36; Money factor: 0.002; Tax on monthly payment (%): 0. They are reference calculations, not recommended settings.

Adjusted capitalized cost	Monthly lease payment
30000	429.333333333
60000	1322.66666667

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