Your numbers, made clear
Lease buyout calculator
Start with your quote. Add only the costs it excludes.
See your purchase estimate and what still needs checking.
Behind the estimate
Here’s exactly how it works.
A purchase quote can show fees inside its total, outside its total, or only as a note. The calculator adds only charges you mark Add separately. An included fee is a memo entry and never increases the total again.
If a charge is unresolved, the result is a known-cost subtotal. We withhold the full estimate and loan calculation until you classify the costs. Quote expiry is a separate check; filling in every field does not make an old quote valid.
Cash and financing are different totals.
For a loan, we subtract purchase costs paid outside financing and the down payment, then add financed loan fees. Estimated upfront cash includes those cash-paid purchase costs, your down payment, and cash-paid loan fees.
Monthly payments use the standard fixed-payment formula: P × r ÷ [1 − (1 + r)−n], where P is principal, r is the annual note rate divided by 12, and n is the number of monthly payments. At zero interest, the payment is P ÷ n.
Loan repayment is the unrounded monthly estimate multiplied by the term. Displayed figures are rounded to cents, so multiplying the displayed payment can differ by a few cents. Actual payment dates, daily interest and lender rounding can change the schedule. We do not calculate a lender’s legal APR.
A worked example you can check.
Illustration only: a $24,000 quote already includes a $300 purchase fee. Add $1,560 tax and $240 title fees: the purchase estimate is $25,800. Pay the $240 title fee outside the loan and put $3,000 down. The amount financed is $22,560.
| Measure | Estimate |
|---|---|
| Purchase cost before financing | $25,800.00 |
| Upfront cash at purchase | $3,240.00 |
| Amount financed | $22,560.00 |
| Monthly loan payment | $436.15 |
| Total loan repayment | $26,168.88 |
| Modeled interest | $3,608.88 |
| Total cash outflow, including upfront cash | $29,408.88 |
Buying or returning? Compare the same period.
A return fee alone is not the cost of getting your next car. Compare both choices over the same months. Include replacement transportation, ongoing payments, running costs and what you own or owe at the end. Earlier lease payments already made are sunk costs in both choices.
For a fictional 36-month cash-purchase example, $25,800 to buy + $9,000 running costs − $16,000 resale value gives $18,800. Returning and replacing with a lease could instead involve $1,000 return charges + $2,000 upfront + 36 payments of $450 + $9,000 running costs = $28,200. Those invented assumptions produce a $9,400 difference; they are not a prediction of your savings.
Keep your information on your device.
The calculator needs amounts and charge categories, not your identity. Entries are processed in this page and are not stored or sent to us. Refreshing clears them. Printing creates a record on your device; use your browser’s Save as PDF option if you want to keep it.
The evidence behind this guide
Sources & scope
Public guidance checked September 13, 2026. Your agreement, current quote and applicable rules determine your transaction.
- CFPB · Purchase-option disclosures (Regulation M)
Section 1013.4(i), including interpretations 3–4 on purchase fees and official fees and taxes.
- CFPB · Interest rate versus APR
Why the note interest rate and APR are different measures.
- CFPB · Leasing versus buying a car
Consumer guidance on vehicle ownership and leasing.
Published by LeaseBuyoutCosts · David Jung, publisher.
Source check: September 13, 2026.