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Car lease calculator

Estimate a monthly car lease payment from price, down payment and residual value.

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The Car lease calculator turns Vehicle price, Down payment, Residual value (%), Term (months), Annual rate (%) into Monthly payment, Residual value, Total cost, instantly and for free. For instance, with Vehicle price = $30,000.00, Down payment = $3,000.00, Residual value (%) = 50, Term (months) = 36 and Annual rate (%) = 4 it returns Monthly payment = $403.33, Residual value = $15,000.00 and Total cost = $17,520.00.

How to use it

  1. Enter your values: Vehicle price, Down payment, Residual value (%), Term (months), Annual rate (%).
  2. Read the result instantly: Monthly payment, Residual value, Total cost.

Frequently asked questions

How does the Car lease calculator work?

It takes Vehicle price, Down payment, Residual value (%), Term (months) and Annual rate (%) and derives Monthly payment, Residual value and Total cost from them. The calculation is live as you type, so the result updates on every change.

Which values does the calculator ask for?

5 values: Vehicle price ($), Down payment ($), Residual value (%), Term (months) and Annual rate (%). Nothing else is required — no account, no file upload.

What does a typical calculation look like?

With Vehicle price = $30,000.00, Down payment = $3,000.00, Residual value (%) = 50, Term (months) = 36 and Annual rate (%) = 4, the calculator returns Monthly payment = $403.33, Residual value = $15,000.00 and Total cost = $17,520.00. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

How much does the result change with different inputs?

It moves a lot. Using Vehicle price = $60,000.00, Down payment = $6,000.00, Residual value (%) = 55, Term (months) = 72 and Annual rate (%) = 4.4 instead, Monthly payment goes from $403.33 to $451.17 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Vehicle price = $15,000.00, Down payment = $1,500.00, Residual value (%) = 45, Term (months) = 18 and Annual rate (%) = 3.6, Monthly payment comes out at $405.38. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Deciding between two cars, or between keeping one and replacing it: fuel or charging, insurance, depreciation and what a kilometre really costs.

What is the most common mistake?

Comparing on fuel alone. Depreciation is usually the largest line in the first years and dwarfs the difference in consumption between two comparable cars.

How accurate is it, and what are the limits?

Estimate only — not financial advice.

What is the difference between the Car lease calculator and the Lease vs Buy Calculator?

This one returns Monthly payment and Residual value; the Lease vs Buy Calculator returns Total cost to buy and Total cost to lease. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

Car depreciation calculator is the closest one after this: Estimate a car's residual value after several years.

Further reading

All guides →
ExplainerA Company Car Is Pay: What the Benefit in Kind Costs You in France, Germany and ItalyNobody negotiates a company car as a pay cut, but that is what the tax treatment makes it. Three countries value the same car by three completely different methods, one of them changed in 2025 in a way that nearly doubled the figure, and in all three an electric car is taxed at a fraction of the same vehicle with an engine.ComparisonLeasing, Hire Purchase or Cash: the Five-Year Total, Not the Monthly PaymentThree ways to put the same car on the drive, priced over five years at the same interest rate. The monthly payments rank the options in exactly the reverse order of what they cost — and the gap turns out to be a single, computable number.ComparisonLease vs Buy a CarLeasing means lower payments but no ownership; buying costs more per month but the car is yours. Here's how each works and which fits your situation.How-toFuel Cost for a Road TripDivide distance by fuel economy, then multiply by the price. Here's the calculation, metric vs mpg, what pushes it up, and how to split the cost.ExplainerWhat Is MPG (and How to Improve It)?MPG is how far a car goes on a gallon — higher is better. Here's what it means, how it relates to L/100 km, why your real figure is lower, and how to improve it.ComparisonCar Lease vs Buy: Which Costs Less Over Time?Leasing means lower monthly payments and endless flexibility; buying costs more up front but leaves you owning an asset. Here is how the total cost really compares.