O guia abaixo ainda não está disponível em português e é apresentado em inglês. A calculadora está totalmente traduzida.
Como usar esta calculadora
- Enter the MSRP (sticker price) and the price you negotiated (capitalized cost).
- Enter your down payment (cap cost reduction), any trade-in, and fees rolled into the lease.
- Enter the residual value percentage and the lease rate as an APR (the money factor is APR ÷ 2,400).
- Choose the lease term and your sales tax rate.
Fórmula
A lease payment covers the car's expected loss in value plus a finance charge. The residual is a percentage of MSRP set by the leasing company.
Depreciation = (adjusted cap cost − residual) / months
Rent charge = (adjusted cap cost + residual) × money factor
Payment = (depreciation + rent charge) × (1 + sales tax)
Example
- MSRP $40,000, price $38,000, $995 fees, $3,000 down → adjusted cap cost $35,995.
- Residual 58% = $23,200; money factor 5.5 ÷ 2,400 = 0.00229.
- Depreciation = 12,795 / 36 = $355.42; rent charge = 59,195 × 0.00229 = $135.64; with 7% tax ≈ $525.43 per month.
Perguntas frequentes
What is a money factor?
It is the lease's finance rate expressed as a small decimal. Multiply by 2,400 to get the approximate APR; for example, 0.00250 ≈ 6% APR.
Is a big down payment on a lease a good idea?
It lowers the monthly payment, but if the car is totaled or stolen early, that money may be lost. Many advisers recommend keeping lease down payments small.
How is sales tax handled?
Most US states tax each monthly payment, which this calculator assumes. Some states tax the full price or the cap cost reduction upfront instead.