Car & Household

Leasing calculator

The calculator combines loss of value, tied up capital and ongoing additional costs into a clear monthly charge.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

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Calculator

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Calculation path

Step by step

  1. Capitalized amount

    Formula: Vehicle price - special payment

    Values inserted: €42,000.00 - €3,000.00

    Result: €39,000.00

  2. Monthly loss in value

    Formula: ((Capitalized Amount - Residual Value) / Term)

    Result: €472.22

  3. Monthly financing portion

    Formula: Average tied-up capital × interest rate / 12

    Result: €106.75

  4. Monthly charge

    Formula: Loss of value + financing portion + additional costs

    Result: €578.97

Instructions

How to use this calculator correctly

Input

  • Enter the vehicle price, special payment, residual value and term.
  • You can add additional service costs on a monthly basis.

Read the result

  • The monthly charge is a guideline for your ongoing costs.
  • The costs per kilometer help when comparing different offers.

What to keep in mind

  • Check the mileage policy, return fees and any closing costs in the contract.

Related guide: Classify car costs with fuel, electricity, credit and taxes

Examples

Typical calculations

Higher monthly rate, but no one-off payment.

Without special payment

Monthly burden: €513.42

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More kilometers per year.

Higher driving performance

Monthly burden: €776.31

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FAQ

Frequently asked questions

What is the residual value?

The calculated vehicle value at the end of the term. It has a strong influence on the monthly rate.

Why does the rate decrease when the special payment is high?

Because this means less capital has to be distributed over the term.

Are insurance and tax included?

Only if you enter them as an additional monthly cost.

Is leasing cheaper than buying?

This depends on the term, interest, residual value and your mileage.

Can I also use the calculator for commercial leasing?

Yes, as a first orientation. However, he does not take tax effects and special conditions into account.

Related calculators

Continue seamlessly

Car loan calculator

Calculate the monthly payment, total amount and interest costs for a car loan.

Sources and notes

Rule status and context

Method
Simplified leasing model consisting of loss of value, tied up capital and additional costs.