🎲 Fun & Lifestyle
Lease Calculator
Monthly lease payment for a car or equipment.
Enter values to see your result
Frequently asked questions
Lease vs buy?
Lease: lower monthly, no ownership, return at end. Buy: higher cost up-front, full ownership, sell later. Lease makes sense if you upgrade cars every 3-4 years.
What is money factor?
Lease's equivalent of interest rate. MF × 2400 = APR. So MF 0.0030 = 7.2% APR.
Residual value matters?
Higher residual = lower depreciation = lower monthly payment. Premium brands often have higher residuals → effectively cheaper to lease.
Can I buy at lease end?
Yes — "buyout" at residual value. Works if car is worth more than residual. Pre-agreed buyout option is in the contract.