Free USA Lease Calculator (Car Payment + Money Factor)

Auto Lease Calculator

Money factor, residual, taxes, fees, due at signing + CSV

Vehicle & Deal

MSRP ($)

Negotiated Selling Price ($)

Also called “Cap Cost” before fees.

Lease Term (Months)

Residual (%) of MSRP

Money Factor

APR ≈ MoneyFactor × 2400

APR (%) (optional)

If you enter APR, money factor auto-updates.

Fees & Taxes

Acquisition Fee ($)

Doc / Title / Registration ($)

Cap Cost Reduction (Down Payment) ($)

Higher down lowers payment but increases risk.

Trade-in Credit ($) (optional)

Sales Tax Rate (%)

Tax Method

Extra Monthly Fees ($)

e.g., lease protection, add-ons.

First Month Paid at Signing?

This free USA lease calculator estimates your monthly lease payment using the standard lease formula: depreciation + finance charge (money factor). Add fees, cap cost reduction, trade-in credit, and choose how sales tax is applied. Results are estimates—actual dealer worksheets may vary.

FAQ

What is money factor? A way to express interest on a lease. Approx APR = money factor × 2400.

Should I put money down? Often not recommended for leases due to risk if the car is totaled; your situation may vary.

Tax rules differ? Yes. Some states tax differently; use the tax method that matches your state.