Free lease tools
Car lease calculators built for real dealer quotes.
Decode the numbers dealers and advertisements use without creating an account or submitting your information. Every calculation runs in your browser.
True monthly lease cost calculator
Normalize the quoted payment, cash due, taxes, mileage, rate, and dealer worksheet into one honest monthly cost.
Open calculator → Same-horizon decisionLease vs. buy car calculator
Compare complete lease cost with the net cost of buying after loan balance and estimated vehicle equity.
Open calculator → Interest-rate decoderMoney factor to APR calculator
Convert either direction, calculate the rent charge, and estimate the dollar cost of a marked-up money factor.
Open calculator → Lease-end planningLease mileage overage calculator
Project your lease-end odometer, likely overage bill, safe monthly mileage, and higher-tier break-even point.
Open calculator → Contract-based exit pathsEarly lease termination calculator
Compare finishing the lease with official termination, payoff-and-offer, and approved transfer quotes.
Open calculator → Keep it or return itLease buyout calculator
Estimate the out-the-door buyout, market-value difference, return exposure, and optional buyout-loan payment.
Open calculator → Depreciation decoderLease residual value calculator
Convert residual percentage to dollars, reverse the calculation, and expose the monthly depreciation charge.
Open calculator → Refundable rate reductionMultiple security deposit calculator
Use lender-confirmed MSD terms to calculate the new money factor, payment savings, cash held, and simple return.
Open calculator → Prepayment analysisOne-pay lease calculator
Compare a lessor single-payment quote with the complete monthly plan and the opportunity cost of upfront cash.
Open calculator → 50 states + DCCar lease tax by state
See whether your state taxes each payment, the full price, cap cost, or total payments—and whether down payment is taxed.
Open calculator →What makes these different?
LeaseWorth focuses on the figures that can make a cheap-looking lease expensive: cash due at signing, rate markup, mileage exposure, exit costs, ownership equity, local tax treatment, and payment timing. The goal is a fair, explainable deal—not eliminating every dollar of dealer profit.