Reproduce an auto-lease base and periodic payment from disclosed capitalized cost, residual, money factor, term, taxes, fees, and upfront charges.
A quick decision brief for this specific tool
Disclosed gross capitalized cost, capitalized-cost reduction, dollar residual, money factor, whole-month term, periodic taxes/fees, and narrowly defined nonrefundable upfront charges
Adjusted capitalized cost, depreciation and rent charge, base and periodic payment, periodic-payment total, modeled scheduled cost, and nominal APR comparison
Regulation M lease-payment disclosure arithmetic using entered disclosure figures; the capitalized-cost reduction is separated from other upfront charges to prevent double counting
Choose your path
Reproduce a disclosed vehicle-lease periodic-payment scenario while keeping capitalized cost, upfront money, recurring charges, and omitted contract terms distinct.
Understand the pieces of a quoted periodic payment.
Copy gross capitalized cost, reduction, residual, money factor, term, and recurring charges from the disclosure.
Can reconcile depreciation, rent charge, base payment, and periodic payment without substituting MSRP.
Compare two lease disclosures on the same cost basis.
Enter one disclosure at a time, preserve the exact inputs, and compare periodic payment and modeled scheduled cost.
Does not double-count cap reduction or treat a nominal APR comparison as the legal APR of a loan.
See costs that payment arithmetic does not capture.
Review mileage, wear, disposition, purchase-option, insurance, and early-termination terms in the source contract.
Does not authorize the lease from the calculator total alone.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Subtract only the disclosed capitalized-cost reduction from gross capitalized cost.
Adjusted Capitalized Cost = Gross Capitalized Cost − Capitalized-Cost ReductionThe model separates monthly depreciation from the rent charge, then adds them for the base payment.
Base Payment = (Adjusted Cap Cost − Residual) ÷ Term + (Adjusted Cap Cost + Residual) × Money FactorPeriodic taxes and fees are added to each base payment. Scheduled cost then adds only the narrowly defined nonrefundable upfront charges entered by the user.
Modeled Scheduled Cost = (Base Payment + Monthly Taxes and Fees) × Term + Other Upfront ChargesUpdated: August 2026
Copy each capitalized-cost, residual, term, money-factor, and recurring-charge figure from one dated disclosure.
→ Adjusted cost, depreciation, rent charge, base payment, and periodic payment reconcile from the entered figures.
Run each dated quote separately and preserve its exact input record before comparing outputs.
→ Like-for-like periodic-payment and scheduled-cost arithmetic, with contract omissions reviewed separately.
Use a disclosed zero money factor to isolate straight-line depreciation and recurring charges.
→ Rent charge is $0; periodic payment still includes depreciation and entered recurring charges.
This calculator reproduces one lease-payment scenario from figures copied from a current lessor disclosure. It keeps gross and adjusted capitalized cost, capitalized-cost reduction, recurring taxes and fees, and other upfront charges separate. It does not quote a lease, substitute MSRP for capitalized cost, or decide whether leasing is appropriate.