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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 Ohio; check your contract. No combined rate is known here. Enter your local contract rate. Qualifying long-term leases use accelerated tax on lease consideration. Cash down, assigned manufacturer rebates and acquisition fees are included; unreimbursed discounts differ. Qualifying documentary service charges under ORC 4517.261 are exempt from sales tax from May 1, 2023 (ORC 5739.02(B)(59)), superseding the 2006 lease guide. An owned used vehicle traded toward a qualifying NEW vehicle lease can reduce taxable price, but the generic trade_credit field stays null because it cannot carry that new-vehicle/dealer condition. Financed prior debt is added back. Do not deduct the trade twice or treat a leased return as an owned trade. Separate taxable acquisition fees from exempt qualifying documentary charges; a single taxFees switch cannot represent both. Confirm new-vehicle trade conditions, financing and local sourcing.

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

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

Print-friendly estimate

Take a clear worksheet to the dealer.

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