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Know the payment.
See the whole lease.

A payment is only part of the price. Put the fees, upfront money and fine print next to it.

Your numbers, your pace

Starts with a fictional example. No rates or offers are looked up. Share only numbers, never personal details.

Worksheet detail

Basic · 6 fieldsAll fields

Reset example Try zero drive-off

Check these numbers

Lease tax rate (percent, estimate): Enter a number from 0 to 20.

Car

Discount appears after calculation.

MSRP (dollars)

Selling price (dollars)

Lease

Lease term (months)

Residual value (percent of MSRP)

Ask for the lender’s residual for this term and mileage.

Money factor

Ask for the lender’s base money factor. This tool does not look up rates.

Rate conversion appears after calculation.

This percentage may not measure the overall cost of financing this lease.

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Enter residual as

Enter rate as

Residual value (dollars)

Rough percentage (money factor × 2,400)

Divides this rough percentage by 2,400 to get a money factor. This percentage may not measure the overall cost of financing this lease.

Miles allowed per year

For the disclosure only. Changing miles does not invent a new lender residual.

Lease return fee (dollars)

Added to total cost. Extra mileage, wear and purchase options are not included.

First payment is due at signing

Fees

Leave an upfront box unchecked to roll that fee into the lease. Dealer add-ons are always rolled in.

Acquisition fee (dollars)

Dealer document fee (dollars)

Title, registration and plates (dollars)

Dealer add-ons (dollars)

Pay acquisition fee upfront

Pay document fee upfront

Pay government fees upfront

Money down

Cash down (dollars)

Lease rebates (dollars)

Net trade equity (dollars)

Trade value minus payoff. A negative number adds debt to the lease.

Zero drive-off mode (roll fees and tax)

Rolls fees and tax in and ignores cash down. First-payment and deposit settings still apply.

MSDs

Use the lender’s deposit and money-factor rules. A blank deposit amount uses the engine’s estimate, not a lender quote.

Number of security deposits

Each deposit (dollars, blank for engine estimate)

Money factor reduction per deposit

Enter the lender’s actual program rule; no program is assumed.

Tax

Lease tax rate (percent, estimate)

Enter a number from 0 to 20.

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State guidance or manual entry

Tax method typical for North Carolina; check your contract. No combined rate is known here. Enter your local contract rate. A retailer can pay 3% highway-use tax on title or elect alternate highway-use tax on gross receipts. The latter is 3% for long-term vehicle leases. The ordinary passenger-lease tax has no maximum; commercial/RV caps are different. Separately stated eligible service-contract amounts can be excluded. Confirm title-tax versus receipts-tax election; do not apply both. Check the statutory long-term definition and separately stated exclusions.

Tax acquisition and document fees

Controls separate acquisition/document fee tax. In monthly-tax mode, capitalized fees remain inside the taxed payment. Verify local exceptions.

Roll upfront tax into the lease

How the lease is taxed (estimate)

The engine models four broad methods, not every local exception. Ask for an itemized tax calculation.

Estimate ready. Results use the numbers shown in the worksheet.

Keep your numbers

Open the estimate link, then copy the address from your browser’s address bar.

The link contains your worksheet numbers. Anyone with the link can see them.

Print-friendly estimate

Take a clear worksheet to the dealer.

Leasing basics · Learn about lease vs. buy · Calculator questions · Check a dealer’s quote