Kereta Sewa Kalkulator

Category: Auto
- August 09, 2025
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Calculate monthly payments and total cost for car leases based on vehicle price, residual value, money factor, and other lease terms.

Vehicle Information

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Lease Terms

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Additional Costs

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Advanced Options

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About Car Leasing

Car leasing is a long-term rental agreement that allows you to drive a vehicle for a specified period, typically 2-4 years, while making monthly payments. Unlike buying, you don't own the vehicle at the end of the lease unless you choose to purchase it for the predetermined residual value.

Key Lease Terms
  • MSRP (Manufacturer's Suggested Retail Price): The sticker price of the vehicle.
  • Negotiated Price: The price you negotiate with the dealer, typically lower than MSRP.
  • Residual Value: The estimated value of the vehicle at the end of the lease term.
  • Money Factor: Similar to an interest rate, used to calculate the finance charge.
  • Capitalised Cost: The amount being financed in the lease (negotiated price minus down payment and other reductions).
  • Lease Term: The duration of the lease, typically expressed in months.
  • Disposition Fee: Fee charged when you return the vehicle at lease end.
  • Acquisition Fee: Administrative fee charged at the beginning of the lease.
Lease Payment Formula

Monthly lease payments consist of two main components:

  1. Monthly Depreciation: (Capitalised Cost - Residual Value) ÷ Lease Term in Months
  2. Monthly Finance Charge: (Capitalised Cost + Residual Value) × Money Factor

The total monthly payment is the sum of these two components plus any applicable taxes.

Money Factor and APR

The money factor is similar to an interest rate but is expressed differently:

  • To convert APR to money factor: APR ÷ 2400
  • To convert money factor to APR: Money Factor × 2400

For example, a money factor of 0.00125 is equivalent to an APR of approximately 3%.

What Is the Car Lease Calculator?

The Car Lease Calculator is a handy tool that helps you figure out your monthly payments and total costs for leasing a vehicle. By inputting details like the vehicle price, residual value, and money factor, you can get a clearer picture of what leasing a car will actually cost you. This calculator makes the complex leasing process more straightforward and easier to understand.

Why Use a Car Lease Calculator?

Using a car lease calculator can save you time and help you make better Financial decisions. With this tool, you can:

  • Estimate your monthly payment based on your inputs.
  • Understand the total cost of the lease over its term.
  • Compare different leasing options and terms quickly.

This way, you’re not just guessing what you can afford; you’ll have numbers to back up your choices.

Key Inputs for Accurate Calculations

To get the best results, you need to enter specific details into the calculator. Some of the key inputs include:

  • Vehicle MSRP: The Manufacturer's Suggested Retail Price.
  • Negotiated Price: The final price you agree upon with the dealer.
  • Lease Term: The duration of your lease, usually in months.
  • Residual Value: The estimated value of the car at the end of the lease.

Providing accurate information helps ensure that your results reflect real-world numbers.

Understanding Lease Terms

Leases come with different terms that affect your payments. Knowing these terms is crucial. For example, the money factor influences how much you’ll pay in interest, while the residual value affects how much the vehicle is worth at the end of the lease. The calculator gives you a way to input these values and better understand their impact on your overall lease cost.

Additional Costs to Consider

When leasing a car, it's not just about the monthly payments. You also need to factor in additional costs such as:

  • Down payment
  • Trade-in value
  • Sales tax
  • Fees and charges

Including these items in your calculations provides a clearer financial picture and helps avoid surprises later on.

Advanced Options for Detailed Analysis

The Car Lease Calculator offers advanced options like acquisition and disposition fees. These features let you dive deeper into your lease calculations. You can also choose to see detailed breakdowns of how your payments are calculated. This level of detail can help you negotiate better lease terms and understand what you’re really paying for.

Interpreting Your Results

After entering all your information, the calculator provides you with essential outputs. You'll see your estimated monthly payment, total lease cost, and any upfront costs due at signing. Understanding these results can help you make informed choices or adjust your inputs if the numbers don’t fit your budget.

Tips for Using the Car Lease Calculator Effectively

To get the most out of the Car Lease Calculator, keep a few tips in mind:

  • Input realistic values based on market research.
  • Consider different scenarios by changing lease terms.
  • Review the detailed calculation steps for a better understanding.

By following these tips, you can make the leasing process as smooth as possible and ensure you're getting the best deal.