Decimales: 2; Al más cercano; empates al dígito par
Payment before tax
$425.47
Depreciation charge per month
$297.22
Finance (rent) charge per month
$128.25
Sales tax per month
$25.53
Money factor
0.0025
Approximate APR
6%
Residual value
$20,300.00
Net capitalized cost
$31,000.00
Total cost of the lease
$18,236.02
Total finance charges
$4,617.00
Tax rules vary: some US states tax the full price or the down payment instead of each payment.
You pay $451.00 a month for 36 months: $297.22 covers the car's loss in value, $128.25 is the finance charge (about 6% APR) and $25.53 is tax. Buying the car at the end would cost the residual of $20,300.00.
What each payment covers
Depreciación65.9%Finance charge28.4%Sales tax5.7%
Over the whole lease
Cómo se calcula S
APR from money factor
APR=0.0025×2400=6%
Net capitalized cost
C=33,000.00−2,000.00=31,000.00
Residual value
R=58%×35,000.00=20,300.00
Depreciation charge
nC−R=3631,000.00−20,300.00=297.22
Finance charge
(C+R)×MF=51,300.00×0.0025=128.25
Adding C and R (rather than averaging them) is why the money factor is APR ÷ 2400 instead of ÷ 1200.
Payment with tax
(297.22+128.25)×(1+6%)=451.00
Acerca de Car lease payment calculator
A lease payment has two parts. The depreciation charge spreads the car's expected loss in value, the net capitalized cost minus the residual value, evenly over the term. The finance (rent) charge is the money factor times the sum of the net capitalized cost and the residual. Sales tax, where it is charged on each payment, is added on top.
With the defaults, a 35,000 car negotiated to 33,000 with 2,000 down, a 58% residual of 20,300, a money factor of 0.0025 and a 36-month term, the payment is 297.22 of depreciation plus 128.25 of finance charge: 425.47 before tax and 451.00 with 6% tax.
Multiplying the money factor by 2,400 gives an approximate APR, 6% here. That conversion is an industry rule of thumb; no federal rule defines it. Acquisition and disposition fees, mileage overage and wear charges are not included unless you add them to the price.
Fuente de comprobación: Python decimal (prec 50): (31000 − 20300)/36 + (31000 + 20300) × 0.0025, plus 6% tax
Same lease entered as 6% APR
MSRP (list price)
35,000
Negotiated price (gross capitalized cost)
33,000
Down payment, trade-in and rebates
2000
Residual given as
% of MSRP
Residual value (% of MSRP)
58%
Lease term
36 months
Rate given as
Tasa porcentual anual (APR)
Tasa porcentual anual (APR)
6%
Sales tax on the payment
6%
Money factor
0.0025
Finance (rent) charge per month
128.25
Monthly payment
451.00
Fuente de comprobación: 6 / 2400 = 0.0025 (industry money-factor convention); payment as above
Federal Reserve rent-charge example
MSRP (list price)
25,000
Negotiated price (gross capitalized cost)
18,800
Down payment, trade-in and rebates
0
Residual given as
Amount
Residual value
12,350
Lease term
36 months
Rate given as
Money factor
Money factor
0.00354
Sales tax on the payment
0%
Finance (rent) charge per month
110.27
Net capitalized cost
18,800.00
Fuente de comprobación: Federal Reserve Board leasing guide: 0.00354 × (18,800 + 12,350) = 110.27
Zero money factor
MSRP (list price)
35,000
Negotiated price (gross capitalized cost)
33,000
Down payment, trade-in and rebates
2000
Residual given as
% of MSRP
Residual value (% of MSRP)
58%
Lease term
36 months
Rate given as
Money factor
Money factor
0
Sales tax on the payment
0%
Finance (rent) charge per month
0.00
Monthly payment
297.22
Total finance charges
0.00
Fuente de comprobación: Hand calculation: only depreciation, 10700 / 36
Preguntas
How is a car lease payment calculated?
Add the depreciation charge, (net capitalized cost − residual) ÷ months, to the finance charge, (net capitalized cost + residual) × money factor, then add any tax. For a net cost of 31,000, a residual of 20,300 and 36 months, depreciation is 10,700 ÷ 36 = 297.22 and the finance charge is 51,300 × 0.0025 = 128.25, so the payment is 425.47 before tax.
How do you convert a money factor to an APR?
Multiply the money factor by 2,400: 0.0025 × 2,400 = 6%. To go the other way, divide the APR by 2,400, so 4.8% is a money factor of 0.002. The Federal Reserve notes that no federal standard defines this conversion; it is an industry rule of thumb, and the lease contract's rent charge is the figure that counts.
How does the residual value affect a lease payment?
A higher residual lowers the payment, because you pay only for the value the car loses during the lease. On the default 35,000 car, a 55% residual (19,250) gives a payment of 479.13 with tax, 58% gives 451.00 and 62% gives 413.49. The residual is usually also the buyout price at the end of the lease, before any purchase-option fee.
Is it better to negotiate the price or put more money down on a lease?
Negotiate the price first. Cutting the price by 1,000 and putting 1,000 more down both lower the payment by 32.09 a month with 6% tax (30.28 before tax), but only the price cut keeps the 1,000 in your pocket: the total cost of the default lease falls to 17,080.62 against 18,080.62 with the extra down payment.
¿Qué precisión tiene «Car lease payment calculator»?
La precisión depende de tus datos y de los supuestos del método. El cálculo decimal usa 50 cifras significativas, pero las estimaciones, los métodos numéricos y los datos de origen pueden ser menos precisos; el redondeo mostrado no elimina esos límites. Ejemplos resueltos comprobados con fuentes independientes: 5. Por ejemplo, «33k car, 58% residual, money factor 0.0025, 36 months» se comprueba con Python decimal (prec 50): (31000 − 20300)/36 + (31000 + 20300) × 0.0025, plus 6% tax.
¿De dónde procede el método?
Federal Reserve Board — Vehicle leasing: more information about the rent charge; Regulation M (12 CFR 1013) — Consumer leasing, Appendix A model forms.
Solo para planificar. Prestamistas, autoridades fiscales y mercados aplican sus propios redondeos, comisiones y reglas; confirma las cifras con ellos antes de comprometerte.
Verificado con las referencias
Esta calculadora incluye 5 ejemplos resueltos con respuestas de fuentes independientes. Forman parte del conjunto de pruebas y también puedes ejecutarlos aquí.