How to use this calculator
- Enter adjusted capitalized cost, contract residual value, monthly periods, monthly money factor.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Use net capitalized cost after any down payment. Tax, acquisition/disposal fees, excess mileage and early termination are excluded. Money factor is not a fee-inclusive APR.
Worked example
For capitalized cost 30,000, residual 18,000, 36 months and money factor 0.002, the modeled monthly payment is about 429.33.
What the result means
Estimate an untaxed lease payment from adjusted capitalized cost, residual and money factor.
Common questions
How is the calculation performed?
Monthly depreciation charge = (adjusted capitalized cost − residual) / months; monthly finance charge = (adjusted capitalized cost + residual) × money factor.
What does the model leave out?
Use net capitalized cost after any down payment. Tax, acquisition/disposal fees, excess mileage and early termination are excluded. Money factor is not a fee-inclusive APR.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.