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Estimate your monthly lease payment from MSRP, residual, and money factor.
Estimated lease
$410.21/mo
36-month lease · 57% residual
Estimate only — excludes acquisition, disposition, and dealer fees. Money factor × 2400 approximates APR.
Lease deals hinge on the residual value — and a hidden accident or title brand quietly lowers what a car is really worth. Before you sign, run a VIN check to confirm the history. Compare financing with our auto loan calculator and depreciation calculator.
A lease payment has two parts: the depreciation fee (the negotiated price minus the residual value, divided by the term) and the finance or rent charge (the price plus residual, times the money factor). Sales tax is then applied.
The money factor is the lease equivalent of an interest rate. Multiply it by 2400 to approximate the APR — for example, a 0.0015 money factor is roughly 3.6% APR.
The residual is the vehicle projected worth at the end of the lease, set as a percentage of MSRP. A higher residual means less depreciation to pay for and a lower monthly payment.
Free preview · full history by VIN.
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