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Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

A car lease payment has two parts: depreciation, the value the car loses over the lease, and a finance charge on the money tied up while you drive it. This car lease calculator combines both from the negotiated price, the residual value at lease end, your down payment and the interest rate — which it converts into a money factor — then adds sales tax to reach the monthly figure.

Depreciation is (capitalised cost − residual) ÷ months, and the finance charge is (capitalised cost + residual) × money factor, where the money factor is APR ÷ 2,400. Take a 35,000 car with a 60% residual (21,000), 2,000 down and a 6% rate over 36 months: depreciation is about 333 a month, the finance charge about 135, giving roughly 468 before tax. You only pay for the 12,000 of value the car loses, not its full price.

Use it to check a dealer’s lease quote, to see how the residual and money factor drive the payment, or to compare leasing with buying. A car that holds its value has a high residual, depreciates less and is cheaper to lease — often the single biggest lever on the monthly cost.

Àwọn Àtòjọ-ẹ̀yàn

Kini àwọn ààtò àwọn owó?

The money factor is the lease equivalent of an interest rate. Convert it to an APR by multiplying by 2,400 (so a 0.0025 money factor ≈ 6% APR). This tool does the reverse, dividing your APR by 2,400.

Kini idi ti àwọn àwọn ìṣàmúlò-ètò tí a fi pamọ́ ló ǹlá?

O lè gbà nípa ìpàpọ̀ nípá ìgbà tí o bá gbà - iye tí a fi kú nínú àwọn

Bawo ni mo ṣe lè yipada àwọn fáìlì owò sí APR?

Fẹ́ẹ̀lì fákìtì owò nípa 2,400. Fákìtì owò 0.0025 ní nipa 6% APR, àti fákìtì 0.00125 ní nipa 3%. Ìṣàmúlò-ètò yìí náà ǹpa ìdàràn - o tì pẹ̀lú APR tí o tí fi pamọ́ nípa 2,400 - ki o si lè ró nínú àwọn à

Ńbí mò fi owò pàlẹ̀ nínú léesì?

A nla ìfilọ́wọ́lẹ́ (ni a pe ni capitalised-cost reduction) gbálú ìfilọ́wọ́lẹ́ lease osú kan, ṣugbọn ti ọkọ̀ bá jẹ́ aṣiwere tabi tí a bá fi ìfilọ́wọ́lẹ́ lọ́wọ́lẹ́, owó náà kò lè gbá padà. Ógàyàn kaǹrọ́ nínú ọkọ̀ọ̀kan náà nínú ìfilọ́wọ́lẹ́ náà tí o bá gbálú ìfilọ́wọ́lẹ́ kaǹrọ́ọ̀kaǹ.

Kini ti n bọ ni ipari ti ifowopamọ ọkọ?

You typically return the car, having paid only for its depreciation, and may owe charges for excess mileage or wear. Alternatively you can buy it for the residual value the lease assumed, which is the 60% figure this calculator uses in the example.

Kini idi ti o fi jẹ pe owo-ori lease mi ti o kere ju owo-ori owo-ori lori ọkọ ti o jọra?

Tí a bá fi ìdíyelé pamọ́ nípa ìpàlẹ̀ - àwọn owó nínú àwọn ohun tí a fi pamọ́ - nígbà tí a bá fi ìdíyelé pamọ́ nípá gbogbo àwọn owó. O kò bá kọ̀ọ̀kan nínú ìdíyelé, tí o jẹ́ àwọn àwọn ẹ̀yàn-ìpàlẹ̀ fun àwọn owó oṣù kejì.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

GET https://calculator.free/api/v1/lease/

curl

curl "https://calculator.free/api/v1/lease/?price=35000&residual=60&down=2000&rate=6&months=36"

JavaScript `fetch()`

const r = await fetch(
  "https://calculator.free/api/v1/lease/?" + new URLSearchParams({
    "price": "35000",
    "residual": "60",
    "down": "2000",
    "rate": "6",
    "months": "36"
  }));
const data = await r.json();
console.log(data.results);

Results are estimates for general guidance only, not financial, medical or tax advice.

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