Adjust the inputs below. Results update as you type.
Monthly lease payment = (depreciation fee) + (finance fee) + taxes. Depreciation fee = (cap cost − residual) / months. Finance fee = (cap cost + residual) × money factor. Money factor × 2400 ≈ APR. A higher residual or lower money factor reduces payments. Gap insurance covers the difference between ACV and remaining payments if the car is totaled.
Classic money-factor model: depreciation + finance charge. Residual as % of MSRP. Cap cost = MSRP − cap cost reduction (down / discounts). Approximate APR ≈ money factor × 2400.
Adjusted cap $39,000.00 · Residual $24,360.00
Payment (before tax)
$485.87/mo