Universal Lease Calculator (Any Vehicle)

Universal Lease Calculator

Works for EVs, hybrids, and gas cars. Enter numbers from your quote—results update as you type.

MSRP ($)

Negotiated Cap Cost ($)

After dealer discount, before incentives/fees/down.

Residual (%)

From captive bulletin (e.g., 58 = 58%).

Money Factor (MF)

APR ≈ MF × 2400 (0.00125 ≈ 3.0% APR)

Term (months)

Incentives (reduce cap)

Fees

Capitalized Up-front

Cash Down (reduces cap)

Sales Tax Rate (%)

Simplified: monthly tax applied to base payment.

Residual Value

—

MSRP × Residual %

APR (approx)

—

APR ≈ MF × 2400

Base Payment (pre-tax)

—

Depreciation + Finance Charge

All-in Monthly (after tax)

—

Base × (1 + tax rate)

Estimates only. Taxes, incentives, fees, and residuals vary by state, lender, model, and mileage. Ask for the buy-rate MF and exact residual % in writing.