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Estimate monthly auto loan payments from price, down payment, rate, and term.
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Auto Lease Calculator
AdvancedEstimate monthly car lease payments from cap cost, residual, and money factor.
- 100% Free
- No signup
- Private & secure
- Instant results
- On your device
Private on your device
Your information stays on your device and is not uploaded.
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Enter MSRP, negotiated price, down payment, residual value, money factor or APR, and term to estimate depreciation, finance charge, and total lease cost.
How to use this tool
1. Enter MSRP, negotiated price, down payment ($ or % of negotiated price), residual %, and rate (money factor or APR). 2. Add acquisition and disposition fees, trade-in/rebate, and sales tax mode if needed. 3. Set annual mileage allowance, expected miles, and overage ¢/mile. 4. Calculate for monthly payment and all-in lease cost.
Worked example
Example: $35,000 MSRP, $33,000 negotiated, $2,000 down, $650 acquisition, 55% residual, 0.00125 money factor, 36 months, $400 disposition, 15k miles/year vs 10k allowance at 25¢/mile → payment near $389 plus fees and mileage estimate in the total.
How it works
Builds capitalized cost from negotiated price plus acquisition fee and optional sales tax on cap cost, minus down payment and trade-in/rebate. Monthly payment is depreciation plus finance charge (money factor × (cap + residual)), with optional sales tax on the payment. Total lease cost adds disposition fee and estimated mileage overage (expected miles above allowance × ¢/mile).
Limitations
Results are estimates for educational purposes and are not financial or tax advice. Actual costs, rates, and rules vary.
Privacy and file handling
Your data stays on your device and is not uploaded.
Related comparisons
Learn how formats and terms differ before you convert or calculate.
FAQ
Frequently asked questions
Is Auto Lease Calculator free?
Yes. It is free to use and you do not need to sign in or create an account.
Is my data private?
See the privacy note on this page. Many tools run on your device; some heavier file tools may use secure temporary processing when required.
Can I use Auto Lease Calculator on mobile?
Yes. Open this page on your phone or tablet, enter your inputs, and use the on-screen controls.
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- Car Loan Calculator — Estimate monthly auto loan payments from price, down payment, rate, and term.
- Car Affordability Calculator — Find how much car you can afford from income, debt, and payment ratios.
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- EMI Calculator — Estimate monthly EMI, total interest, and amount payable for a loan.
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