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    1FTER4FHOPLE35495 · 3000 mi

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    Car Lease Calculator – Estimate Your Monthly Lease Payment

    Whether you're comparing offers or building a budget, our free car lease calculator gives you a quick and accurate breakdown of what to expect—based on real lease variables like residual value, money factor, and lease term. We calculate your monthly lease payment using real-world leasing variables like residual value and the money factor. Plus, we break down hidden fees and show you how to reduce your monthly cost. No confusing math. No dealership gimmicks. Just a clear, simple way to understand your leasing costs before you step on the lot.

    Why Use Our Car Lease Calculator?

    Leasing a car can be a smart financial move—if you know the numbers. Our car lease calculator helps you:

    • Estimate monthly lease payments
    • Compare lease offers from different dealerships
    • Understand how factors like down payment, money factor, residual value, and lease term affect your total cost

    Use our Car Lease Calculator before heading to the dealership so you can walk in with confidence—and avoid overpaying.

    What You’ll Need to Use This Lease Calculator:

    • Year, Make, Model, Trim or VIN
    • MSRP and vehicle selling price
    • Zip code
    • Your down payment amount
    • Sales tax % and fees

    Vehicle Details

    Please enter a number greater than or equal to 0.
    Please enter a number greater than or equal to 0.
    Please enter a number from 0 to 99999.

    Lease Terms

    These terms define the structure of your lease — including how long you'll lease the vehicle (term), how much you can drive (mileage), what the car will be worth at lease-end (residual), and the financing cost (money factor). Together, they determine your monthly payment, total lease cost, and any potential end-of-lease charges.

    We're currently unable to retrieve lease terms for this vehicle from the lender. To proceed with the calculation, please manually enter the lease term, residual value, and money factor

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    Lease Term (months)
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    This field is hidden when viewing the form
    Please enter a number greater than or equal to 0.
    Please enter a number greater than or equal to 0.

    Fees & Add-ons

    These are fees from the bank, dealer, and government, as well as optional add-ons like warranties or maintenance plans. Instead of paying these costs upfront, you can choose to capitalize them — which means adding them to the total lease amount and spreading the cost across your monthly payments. Use the toggles to decide which fees you’d like to roll into your lease or pay at signing.

    Please enter a number greater than or equal to 0.

    Capitalize Acquisition Fee

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    Please enter a number greater than or equal to 0.

    Capitalize Dealer Fees

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    Please enter a number greater than or equal to 0.

    Capitalize Government Fees

    This field is hidden when viewing the form
    Please enter a number greater than or equal to 0.

    Capitalize Maintenance Plans

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    Please enter a number greater than or equal to 0.

    Capitalize Other Add-ons

    Capitalize First Payment

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    This field is hidden when viewing the form

    Taxes


    We automatically estimate your sales tax based on your registration ZIP code. Most states use the “Monthly Payment” method, where tax is applied to each monthly lease payment. If your vehicle will be registered in NY, NJ, MN, OH, or GA, select the “Total Lease Payments” method, which calculates tax on the sum of all lease payments. For registrations in VA, MD, or TX, choose the “Capitalized Cost” method, where tax is calculated based on the total capitalized cost, including the selling price, add-ons, and fees.

    Please enter a number greater than or equal to 0.
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    Down Payment

    Please enter a number greater than or equal to 0.

    Available Incentives

    Incentives are discounts offered by the vehicle manufacturer to reduce your lease cost. They can vary based on your region, vehicle model, trim, and eligibility. To view current offers available near you, visit: caredge.com/best-deals

    Please enter a number greater than or equal to 0.
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    Monthly Payment

    $ ----

    Term

    -- mo

    Yearly Mileage

    -- ---

    Due at Signing

    $ ----

    Selling price

    Actual selling price of the vehicle

    $ ----

    Sales Tax

    Local sales tax rate

    $ ----

    Dealer Fee

    Dealer documentation and processing fees

    $ ----

    Acquisition Fee

    Bank or leasing company's administrative fee

    $ ----

    Government Fees

    Registration, title, and other government fees

    $ ----

    Gross Cap Cost

    $ ----

    Money Factor

    Interest rate expressed as a money factor (APR ÷ 2400)

    ----

    APR

    The equivalent Annual Percentage Rate for the lease calculated my taking the money factor and multiplying by 2400.

    % ----

    Residual

    Percentage of MSRP the vehicle will be worth at lease end

    $ ----

    Residual Value

    The estimated value of the vehicle at the end of the lease term; it determines your option-to-buy price and influences monthly payments.

    $ ----

    Lease Term

    Duration of the lease in months

    ---- months

    Monthly Tax

    Sales tax applied to your monthly lease payment, varying by state and local regulations.

    $ ----

    Monthly Depreciation

    The portion of your monthly payment covering the vehicle's loss in value over the lease term.

    $ ----

    Monthly Rent Charge

    The finance fee charged by the leasing company for using the vehicle, similar to interest on a loan.

    $ ----

    Total Monthly Payment

    $ ----

    1st Month's Payment

    The initial lease payment due at signing, covering the first month's use of the vehicle

    $ ----

    Total Due at Signing

    The total upfront cost required at lease signing, including the first month's payment, down payment, taxes, fees, and any security deposit.

    $ ----

    Ready to make it yours?

    Car Leasing Guides

    What Does It Mean to Lease a Car?

    For some car buyers, leasing is a great way around depreciation.

    Learn more

    A Step-by-Step Guide to Your Auto Lease Contract

    The last time a car commercial grabbed your attention with an attractive lease...

    Learn more

    How to Negotiate a Car Lease: A Simple Guide to Saving Money

    Negotiate a car lease to protect your wallet and lower monthly payments.

    Learn more

    Who Should Lease?

    Good fit for

    People who want a new car every 2–3 years
    Drivers with consistent, low annual mileage
    Those looking to minimize monthly payments
    Professionals who want a predictable, warrantycovered vehicle

    Not ideal for

    Long-distance drivers
    People who keep cars for 5–10 years
    DIYers or modifiers
    Anyone seeking to build equity or minimize long-term costs

    Frequently Asked Questions

    How accurate is the lease estimate?

    The lease estimate is calculated using the information you provide, including the car model, zip code, lease term, down payment, and other financial factors. While we aim for accuracy, please keep in mind this is an estimated amount, and the final lease terms may vary based on the lender’s criteria, your creditworthiness, applicable taxes, and dealer-specific fees.

    Can I adjust the down payment amount?

    Yes, you can adjust the down payment amount to see how it affects your monthly lease payments. Adjusting your down payment can help you explore various leasing options and choose a scenario that best fits your budget and preferences.

    Does the calculator include taxes and fees?

    The calculator provides an estimated monthly lease payment that typically includes standard fees such as acquisition fees. You will need to provide your state’s sales tax rate, which will calculate appropriate sales taxes factored in the lease. However, local sales taxes, registration fees, and other state-specific charges may not be fully reflected. For precise details on taxes and fees applicable in your region, please consult your dealership or leasing provider directly.

    Will the calculator work for any car model?

    The calculator is designed to work with most new vehicle models, including various trims and configurations. However, the availability of incentives, residual values, and financing rates can vary significantly by make, model, and location. Please ensure you input accurate vehicle details for the most reliable estimates.

    Can I apply for a lease after using the calculator?

    Once you've used the calculator to determine a lease scenario that meets your needs, you can proceed to apply for a lease directly through a participating dealership or leasing company. The calculator is a helpful tool to estimate your leasing terms, but the final application and approval will be subject to the lender’s terms and conditions, credit evaluation, and current promotional offers.