Cifre decimali: 2; Al più vicino; a parità verso la cifra pari
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
Ammortamento65.9%Finance charge28.4%Sales tax5.7%
Over the whole lease
Come si calcola 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
Informazioni su 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.
Fonte di verifica: 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
Tasso percentuale annuo (APR)
Tasso percentuale annuo (APR)
6%
Sales tax on the payment
6%
Money factor
0.0025
Finance (rent) charge per month
128.25
Monthly payment
451.00
Fonte di verifica: 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
Fonte di verifica: 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
Fonte di verifica: Hand calculation: only depreciation, 10700 / 36
Domande
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.
Quanto è preciso «Car lease payment calculator»?
La precisione dipende dai dati inseriti e dalle ipotesi del metodo. Il calcolo decimale usa 50 cifre significative, ma stime, metodi numerici e dati di origine possono essere meno precisi; l’arrotondamento visualizzato non elimina questi limiti. Esempi svolti verificati con fonti indipendenti: 5. Per esempio, «33k car, 58% residual, money factor 0.0025, 36 months» viene verificato con Python decimal (prec 50): (31000 − 20300)/36 + (31000 + 20300) × 0.0025, plus 6% tax.
Da dove proviene il metodo?
Federal Reserve Board — Vehicle leasing: more information about the rent charge; Regulation M (12 CFR 1013) — Consumer leasing, Appendix A model forms.
Solo per pianificare. Finanziatori, autorità fiscali e mercati applicano propri arrotondamenti, costi e regole; conferma le cifre con loro prima di assumere impegni.
Verificato con le fonti
Questa calcolatrice include 5 esempi svolti con risposte da fonti indipendenti. Fanno parte della suite di test e puoi eseguirli anche qui.