汽车租赁月供 = (Cap Cost − Residual) / Term + Money Factor × (Cap Cost + Residual)。
Typical: 60% at 36 mo, 55% at 39 mo, 50% at 48 mo
MF = APR / 2400 (e.g. 6% APR = 0.0025)
$449.69
6.00%
$31,800.00
$20,300.00
$319.44
$130.25
$18,189.00
$18,189.00
Formula: monthly = (adjusted cap cost − residual) / months + (adjusted cap cost + residual) × money factor. Money factor ≈ APR / 2400. Excess mileage typically charged at $0.20-0.30/mi at lease end. Our auto lease calculator does not include sales tax (varies by state and is paid on each monthly payment).
MSRP $35,000 36 月租赁 vs 5 年贷款 6% APR 对比：
| 项目 | 租赁 36 月 | 贷款 5 年 |
|---|---|---|
| 首付 | $3,000 | $3,000 |
| 月供 | $420 | $580 |
| 36 月总支出 | $18,120 | $23,880 |
| 36 月末资产 | $0（需还车） | $18,000（车值） |
Money Factor 类似贷款 APR，月利率的 Money Factor × 2400 = APR（如 0.00125 = 3% APR）。租赁结束时没有资产。每超 1 英里罚 $0.25-0.30。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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FAQ
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An auto lease calculator is a free car-shopping tool that estimates the monthly payment for leasing a vehicle. Our auto lease calculator uses the standard lease formula: monthly = (adjusted cap cost - residual value) / months + (adjusted cap cost + residual value) × money factor. It accepts MSRP, negotiated price, residual percentage, money factor, term, down payment, and trade-in equity, then breaks the payment into depreciation and finance components.
How it works
Our auto lease calculator uses the standard depreciation + finance charge formula to find monthly lease payments from MSRP, negotiated price, residual value, and money factor.
Type the manufacturer's suggested retail price (sticker) and your negotiated price (cap cost base). Negotiating 5-10% below MSRP is typical. The auto lease calculator uses the negotiated price, not MSRP, for cap cost.
Type the acquisition + documentation fees. Add your down payment and trade-in equity as cap cost reductions — both lower your monthly payment.
Type the residual percentage of MSRP (set by the leasing company; typically 60% at 36 mo). Type the money factor (the APR equivalent — divide any quoted APR by 2400 to get MF, e.g. 6% APR = 0.0025 MF).
Choose 24, 36, 39, or 48 months and select annual mileage (typically 12,000 mi/yr). Mileage above the allowance costs $0.20-0.30/mi at lease end — important to consider if you drive more than average.
The auto lease calculator shows the monthly payment broken into depreciation and finance charge components, plus the total of payments and total cost. The equivalent APR is shown as MF × 2400 for comparison with loan rates.
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