Loans & auto

Car Lease Payment Calculator

Estimate a lease payment using negotiated price, capitalized-cost reduction, residual percentage, money factor and a simplified monthly tax assumption.

Estimate your lease payment

MSRP ($)

Negotiated price ($)

Cap-cost reduction / down payment ($)

Fees rolled into cap cost ($)

Residual value (% of MSRP)

Money factor

Lease term (months)

Monthly payment tax assumption (%)

Estimated monthly lease payment—

Adjusted capitalized cost—

Residual value—

Monthly depreciation—

Monthly finance charge—

Pre-tax payment—

Modeled monthly tax—

Total modeled lease payments—

Tax treatment varies materially by state. This tool applies the entered tax percentage to the monthly pre-tax payment; it does not model states that tax the full selling price or use another method.

How the lease estimate works

Residual value = MSRP × residual percentage. Monthly depreciation = (adjusted cap cost − residual value) ÷ term. Monthly finance charge = (adjusted cap cost + residual value) × money factor. Those two components form the pre-tax payment.

Method references

Calculator.net and Edmunds publish the depreciation-plus-money-factor method; NerdWallet describes the same residual-value and money-factor inputs and notes that lease taxes vary by state. Reviewed September 30, 2026.

Educational estimate: Not a loan offer, lease quote, approval, appraisal, tax calculation or individualized financial advice. Verify contract terms with the applicable lender, servicer or dealer.