1 Vehicle & Lease Terms
Enter the core numbers from your dealer's lease worksheet.
Auto-fills MSRP, Residual %, and Money Factor. You can override any value.
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The sticker price before any discounts.
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💡 If the dealer won't negotiate the sale price, they're padding the lease.
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⚠️ Money down on a lease is risky — if the car is totaled, you lose this money.
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Applied as additional cap cost reduction.
💡 Dealers quote a Money Factor because 0.00125 sounds tiny. It's actually 3.0% APR.
%
Higher residual = lower payment, but zero equity.
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2 Hidden Fees Exposer
Fees dealers bury in the fine print. Every dollar here costs you.
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Charged by the leasing company to originate the lease. Almost never negotiable.
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Charged when you return the car — even in perfect condition.
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Dealer's documentation / processing fee.
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Varies wildly by state.
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Dealer Add-Ons
Check any add-ons the dealer included. Most are available cheaper aftermarket.
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Total Hidden Fees
$0
Total Dealer Add-Ons
$0
Fee Load
0%
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3 Lease Breakdown Dashboard
Step-by-step: where every dollar of your lease goes.
Negotiated Sale Price
$0
+ Fees Rolled In
+ Fees Rolled Into Cap
$0
− Reductions
− Down Payment
$0
− Trade-In
$0
=
Adjusted Capitalized Cost
$0
− Residual
− Residual Value
$0
=
Total Depreciation
$0
Monthly Depreciation
$0
Monthly Finance Charge
$0
Monthly Pre-Tax Payment
$0
Monthly Tax
$0
Monthly Payment (Total)
$0
Fee Amortization / mo
$0
Total Monthly Payments
$0
+ Down Payment
$0
+ Disposition Fee
$0
+ Upfront Fees
$0
Total Lease Cost
$0
Effective Monthly Cost
$0
The real cost per month including everything
4 Dealer Markup Detector
Is the dealer padding your rate? Let's find out.
| Credit Tier | Score Range | Buy Rate MF | Typical APR |
|---|---|---|---|
| Excellent (Tier 1) | 720+ | 0.00050–0.00100 | 1.2%–2.4% |
| Good (Tier 2) | 680–719 | 0.00100–0.00175 | 2.4%–4.2% |
| Fair (Tier 3) | 640–679 | 0.00175–0.00275 | 4.2%–6.6% |
| Subprime (Tier 4) | 600–639 | 0.00275–0.00400 | 6.6%–9.6% |
| Deep Subprime | < 600 | 0.00400+ | 9.6%+ |
APR Visual Scale
0–3%
3–6%
6–9%
9%+
You
Buy Rate
Estimated Dealer Profit Breakdown
MF Markup Profit
$0
Add-On Profit
$0
Invoice-to-Sale Margin (est.)
$0
Estimated Total Dealer Profit
$0
5 Lease vs. Buy vs. Finance
Side-by-side — which option costs you the least?
Finance (Loan) Parameters
%
$
| Metric | Lease | Buy (Cash) | Finance |
|---|---|---|---|
| Monthly Cost | $0 | $0 | $0 |
| Total Cash Out | $0 | $0 | $0 |
| Vehicle Equity at End | $0 | $0 | $0 |
| Net Cost (Cash − Equity) | $0 | $0 | $0 |
| Cost Per Mile | $0 | $0 | $0 |
Leasing is renting — you build zero equity. But it can make sense if you want a new car every 3 years and drive fewer miles.
6 Visual Cost Breakdown
See where your money goes at a glance.
Monthly Payment Breakdown
Depreciation
Finance Charge
Tax
Fees (amortized)
Total Lease Cost Breakdown
Total
$0
Depreciation
Finance Charges
Taxes
Fees
Down Payment
7 Negotiation Tips & Red Flags
Context-aware advice based on your numbers.
Enter your lease details above to receive personalized advice.
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