Car Lease Calculator
Estimate a monthly car lease payment from price, residual value and rate.
Monthly lease payment
Depreciation part
Finance charge part
Total of payments
The formula
Payment = (net price - residual) / months + (net price + residual) x rate / 2400. The first part is depreciation and the second is the finance charge, which uses the money factor (rate / 2400).
Example: a 35,000 car with 2,000 down, a 55% residual, 36 months and 6% costs about 512.57 a month. Fees and taxes are extra.
Frequently asked questions
What is residual value?
It is what the car is expected to be worth when the lease ends.
Are mileage limits included?
No. Extra mileage charges are separate.
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Last updated October 2026. For information only, not financial advice.