金融
Auto Lease Calculator
Estimate your monthly car lease payments by calculating depreciation, finance fees, and taxes.
使い方
- Enter the negotiated Car Price (Capitalized Cost).
- Enter the Residual Value. This is what the leasing company estimates the car will be worth at the end of the lease.
- Enter the Lease Term and the Interest Rate (APR or Money Factor).
- Input any Down Payment and your local Sales Tax Rate to calculate your exact monthly obligation.
計算式
Lease Math:
Net Cap Cost = Car Price - Down Payment
Money Factor = APR / 2400
Depreciation Fee = (Net Cap Cost - Residual) / Term
Finance Fee = (Net Cap Cost + Residual) × Money Factor
Base Payment = Depreciation Fee + Finance Fee
Total Payment = Base Payment × (1 + Tax Rate)
Net Cap Cost = Car Price - Down Payment
Money Factor = APR / 2400
Depreciation Fee = (Net Cap Cost - Residual) / Term
Finance Fee = (Net Cap Cost + Residual) × Money Factor
Base Payment = Depreciation Fee + Finance Fee
Total Payment = Base Payment × (1 + Tax Rate)
The Auto Lease Calculator demystifies dealer quotes by breaking down capitalized cost, residual value, and the obscure "money factor." It empowers consumers to see exactly how much they are paying for depreciation versus finance charges.