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Understanding how to calculate your monthly lease payment makes it less difficult 
for you to make an informed decision. Yet, most of us shy away from the 
“complicated” math on our lease contract, leaving it up to the dealer to 
do the payment formula. 

Actually, it’s not that tough! When you comprehend all the figures 
involved in calculating your monthly payments, every thing else falls into 
place. These essential figures are:

MSRP (short for Manufacturer’s Suggested Retail Price tag): This is the list 
price tag of the automobile or the window sticker price.
Cash Factor: This determines the interest rate on your lease. Insist on 
your dealer to disclose this rate prior to getting into into a lease.
Lease Term: The quantity of months the dealer rents the car. 
Residual Value: The value of the car at the finish of the lease. Once again, 
you can get this figure from the dealer. 

Now, let us calculate a sample lease payment based on a vehicle with an 
MSRP (sticker price) worth of $25,000 and a funds element of .0034 (this is
normally quoted as three.4%). The scheduled-lease is over three years and the 
estimated residual percentage is 55%.

The first step is to calculate the residual value of the auto. You multiply 
the MSRP by the residual percentage:

$20,000 X .55 = $11,000.

The car will be worth $13,750 at the finish of the lease, so you will be utilizing:

$20,000 – $11,000 = $9,000

This amount of $9,000 will be used over a 36 month lease period giving us a 
monthly payment of:

$9,000 / 36 = $250.

This is the very first component of the monthly payment, known as the monthly 
depreciation charge. 
The second component of the monthly payment, called the cash factor payment, 
factors the interest charge. It is calculated by adding the MSRP figure to 
the residual worth and multiplying this by the income aspect:

($20,000 + $11,000) * .0034 = $105.four

Ultimately, we get the approximate monthly payment by adding the two figures 
with each other:

$250 + $105.4 = $355.4

To recapitulate, the sample formula looks like this:

1- Monthly Depreciation Charge:

MSRP X Depreciation Percentage = Residual Value
MSRP – Residual Value = Depreciation more than lease term
Depreciation over lease term / lease term (number of months in the lease) = 
monthly depreciation charge

2- Monthly element cash charge

(MSRP + Residual value) X Income element  = funds aspect payment

three- Sample Monthly Payment:

depreciation charge + money factor payment = monthly payment


Preserve in mind that this is a simplified calculation that does not take into 
account taxes, costs, rebates or any other incentives. The calculation offers 
you a ballpark figure or a rough notion of what your lease payments for the 
car in question should be.