# Car lease calculator

- Human page: https://happytails.ai/en/calculators/car-lease-calculator/
- Markdown: https://happytails.ai/en/calculators/car-lease-calculator.md
- Structured JSON: https://happytails.ai/agents/en/calculators/car-lease-calculator/index.json
- Visibility: public

## Tool capabilities

| Property | Value |
| --- | --- |
| Tool ID | `car-lease-calculator` |
| Category | calculators |
| Implementation | Registered implementation. Registration alone is not a production-quality guarantee. |
| Browser execution | Use the visible action or interactive controls. |
| Browser processing | Browser; see tool notes for network behavior. |
| HTTP API | Not callable through HTTP. |
| Browser-agent interface | run_current_tool |

### Implementation notes

Calculated on your device. Terms up to 120 months, amounts up to 1000000000000.

### Inputs and settings

No free-text input is required. Use the file inputs and/or settings below.

| Setting | Meaning | Control type | Default | Constraints |
| --- | --- | --- | --- | --- |
| `msrp` | MSRP (sticker price) | text | "35000" |  |
| `price` | Negotiated vehicle price | text | "32500" |  |
| `capitalizedFees` | Capitalized fees | text | "895" |  |
| `capReduction` | Cap cost reduction | text | "2000" |  |
| `residualMode` | Residual value as | select | "percent" | Allowed: percent, amount |
| `residualPercent` | Residual value (% of MSRP) | text | "58" |  |
| `residualAmount` | Residual value | text | "20300" |  |
| `rateMode` | Lease rate as | select | "money-factor" | Allowed: money-factor, apr |
| `moneyFactor` | Money factor | text | "0.00125" |  |
| `apr` | APR (%) | text | "3" |  |
| `term` | Lease term (months) | text | "36" |  |
| `taxMethod` | Tax method | select | "payment" | Allowed: payment, upfront, none |
| `taxRate` | Tax rate (%) | text | "8" |  |
| `otherDueAtSigning` | Other amounts due at signing | text | "450" |  |
| `dispositionFee` | Disposition fee | text | "395" |  |
| `decimals` | Decimal places in amounts | select | "2" | Allowed: 2, 0, 1, 3, 4, 5, 6 |

### Browser-agent workflow

1. Open the human page in a browser that supports WebMCP.
2. Discover the interface exposed by that page; use its actual schema.
3. Select files on the page first when the tool requires files.
4. Call `run_current_tool` with valid input and settings.
5. Inspect the returned result or error and the displayed output. Retrieve files from the displayed download links.

Calls do not automatically copy or download results. Browser permissions still apply. Interface availability alone is not proof of successful execution.

### Planning specification

Lease terms from 1 to 120 months, money factors from 0 to 0.02 (a leading dot such as .00125 is accepted), APR from 0 to 48 percent, tax rates from 0 to 100 percent and amounts up to 1000000000000 with up to 6 decimal places. Calculated locally in your browser. Downloads are a JSON report and a CSV with one row per month.

This describes intended requirements. Use the implementation notes, interface schema and observed output to determine current support.

### Complete machine-readable capability record

```json
{
  "id": "car-lease-calculator",
  "category": "calculators",
  "built": true,
  "requirements": "Lease terms from 1 to 120 months, money factors from 0 to 0.02 (a leading dot such as .00125 is accepted), APR from 0 to 48 percent, tax rates from 0 to 100 percent and amounts up to 1000000000000 with up to 6 decimal places. Calculated locally in your browser. Downloads are a JSON report and a CSV with one row per month.",
  "implementation": {
    "fields": [
      {
        "key": "msrp",
        "label": "MSRP (sticker price)",
        "value": "35000",
        "type": "text",
        "maxLength": 30,
        "help": "Turns the residual percentage into an amount. Optional when you enter the residual as an amount."
      },
      {
        "key": "price",
        "label": "Negotiated vehicle price",
        "value": "32500",
        "type": "text",
        "maxLength": 30,
        "help": "The agreed value of the vehicle before fees."
      },
      {
        "key": "capitalizedFees",
        "label": "Capitalized fees",
        "value": "895",
        "type": "text",
        "maxLength": 30,
        "help": "Acquisition and other fees added to the capitalized cost. Leave 0 if none."
      },
      {
        "key": "capReduction",
        "label": "Cap cost reduction",
        "value": "2000",
        "type": "text",
        "maxLength": 30,
        "help": "Cash down, rebates and trade-in equity that reduce the capitalized cost."
      },
      {
        "key": "residualMode",
        "label": "Residual value as",
        "value": "percent",
        "type": "select",
        "values": [
          "percent",
          "amount"
        ],
        "labels": {
          "percent": "Percentage of MSRP",
          "amount": "Amount"
        }
      },
      {
        "key": "residualPercent",
        "label": "Residual value (% of MSRP)",
        "value": "58",
        "type": "text",
        "maxLength": 20,
        "help": "From 0 to 100.",
        "showWhen": {
          "residualMode": [
            "percent"
          ]
        }
      },
      {
        "key": "residualAmount",
        "label": "Residual value",
        "value": "20300",
        "type": "text",
        "maxLength": 30,
        "help": "The lease-end value used in the payment.",
        "showWhen": {
          "residualMode": [
            "amount"
          ]
        }
      },
      {
        "key": "rateMode",
        "label": "Lease rate as",
        "value": "money-factor",
        "type": "select",
        "values": [
          "money-factor",
          "apr"
        ],
        "labels": {
          "money-factor": "Money factor",
          "apr": "APR (converted with 2400)"
        }
      },
      {
        "key": "moneyFactor",
        "label": "Money factor",
        "value": "0.00125",
        "type": "text",
        "maxLength": 20,
        "help": "From 0 to 0.02, for example 0.00125 or .00125.",
        "showWhen": {
          "rateMode": [
            "money-factor"
          ]
        }
      },
      {
        "key": "apr",
        "label": "APR (%)",
        "value": "3",
        "type": "text",
        "maxLength": 20,
        "help": "From 0 to 48. Divided by 2400 to get the money factor.",
        "showWhen": {
          "rateMode": [
            "apr"
          ]
        }
      },
      {
        "key": "term",
        "label": "Lease term (months)",
        "value": "36",
        "type": "text",
        "maxLength": 10,
        "help": "Whole months from 1 to 120."
      },
      {
        "key": "taxMethod",
        "label": "Tax method",
        "value": "payment",
        "type": "select",
        "values": [
          "payment",
          "upfront",
          "none"
        ],
        "labels": {
          "payment": "Tax on each monthly payment",
          "upfront": "Tax on all payments, paid at signing",
          "none": "No tax"
        }
      },
      {
        "key": "taxRate",
        "label": "Tax rate (%)",
        "value": "8",
        "type": "text",
        "maxLength": 20,
        "help": "Your local rate from 0 to 100. No tax rules are assumed.",
        "showWhen": {
          "taxMethod": [
            "payment",
            "upfront"
          ]
        }
      },
      {
        "key": "otherDueAtSigning",
        "label": "Other amounts due at signing",
        "value": "450",
        "type": "text",
        "maxLength": 30,
        "help": "Registration, documentation and similar fees paid up front and not capitalized."
      },
      {
        "key": "dispositionFee",
        "label": "Disposition fee",
        "value": "395",
        "type": "text",
        "maxLength": 30,
        "help": "Charged when the car is returned at lease end. Leave 0 if none."
      },
      {
        "key": "decimals",
        "label": "Decimal places in amounts",
        "value": "2",
        "type": "select",
        "values": [
          "2",
          "0",
          "1",
          "3",
          "4",
          "5",
          "6"
        ]
      }
    ],
    "registrationFamily": "vehicle-finance",
    "input": false,
    "note": "Calculated on your device. Terms up to 120 months, amounts up to 1000000000000.",
    "experience": {
      "automatic": false,
      "single": false,
      "inputMaxLength": 1000000,
      "inputMode": "text",
      "label": "Lease, loan and cost values",
      "placeholder": "Enter values in the form fields",
      "help": "This calculator reads the form fields below; there is no text box. Up to 1,000,000 characters. Review the settings before running.",
      "action": null
    },
    "mode": "explicit",
    "interactive": false
  },
  "execution": "Browser interface",
  "api": null,
  "browser_agent": {
    "supported": true,
    "name": "run_current_tool",
    "discovery": "WebMCP on the human page in a supporting browser",
    "verification": "See audit/API-AUDIT.md; availability is not verification"
  }
}
```

## Page guide

Work out a monthly car lease payment from the price, residual value, money factor or APR, fees and your own tax rate. See the depreciation fee, rent charge and tax in each payment and the total cost of the lease.

How can we improve this tool?

Report a problem or share an idea.

Please leave out private information. Your message and the tool name go to our team via PostHog.

### How to use Car lease calculator

1. Enter the MSRP, the negotiated price, any capitalized fees and the cap cost reduction.
2. Enter the residual value as a percentage of MSRP or as an amount.
3. Enter the money factor, or an APR that is divided by 2400, and the term in months.
4. Choose how tax is charged, enter your tax rate and the fees due at signing and at return.
5. Review the payment split and totals, then download the JSON report or the monthly CSV.

## Useful next steps

- [Loan payment](https://happytails.ai/en/finance-tools/loan-payment/) ([Markdown](https://happytails.ai/en/finance-tools/loan-payment.md))

- [Vehicle depreciation calculator](https://happytails.ai/en/calculators/vehicle-depreciation-calculator/) ([Markdown](https://happytails.ai/en/calculators/vehicle-depreciation-calculator.md))

- [Fuel cost calculator](https://happytails.ai/en/calculators/fuel-cost-calculator/) ([Markdown](https://happytails.ai/en/calculators/fuel-cost-calculator.md))

## Method

The adjusted capitalized cost is the price plus capitalized fees minus the cap cost reduction. The depreciation fee is the adjusted capitalized cost minus the residual value, divided by the term. The rent charge is the adjusted capitalized cost plus the residual value, times the money factor. Their sum is the base monthly payment. The MSRP is only needed to turn a residual percentage into an amount, so it may be left blank when you enter the residual as an amount. These are the payment terms a lessor must disclose under Regulation M, 12 CFR 1013.4(f) (Consumer Financial Protection Bureau, checked 16 October 2026). Converting between a money factor and an APR by 2400 is a widely used convention, not a disclosed rate.

### Tax and totals

Tax is applied only as you choose: on each monthly payment, on the total of all payments paid at signing, or not at all. With no tax the tax rate is hidden and not used. No local tax rules are assumed, so check how your area taxes leases. The amount due at signing adds the cap cost reduction, other amounts due at signing, any up-front tax and the first monthly payment, which a closed-end lease collects in advance (Regulation M, 12 CFR 1013.4(b), checked 16 October 2026). The total lease cost adds the cap cost reduction, other amounts due at signing, any up-front tax, every monthly payment and the disposition fee.

### Rounding and limits

Amounts are exact in minor currency units and each fee is rounded half away from zero, so the depreciation over the whole term can differ from the exact difference by a few cents; the report shows that difference. Mileage charges, excess wear and early termination are not included. This is a calculation from your own numbers, not financial advice.