Calculadora de Leasing Automotivo Online Grátis

Sobre Esta Calculadora

A car lease payment is calculated from three factors: depreciation (the difference between the vehicle's current price and its residual value at lease end), the money factor (the interest component), and taxes and fees.

For a $45,000 vehicle with a 55% residual after 36 months, the depreciated amount is $20,250. Divided by 36 months, that's $562.50/month just for depreciation. The money factor (say 0.00125, equivalent to 3% APR) adds another $81.56/month on the combined $45,000 cap cost and $24,750 residual. Total before tax: ~$644/month.

To decode a money factor: multiply by 2,400 to get the equivalent APR. A money factor of 0.002 equals 4.8% APR. Dealers don't always volunteer the money factor, but you can calculate it from the payment breakdown — knowing this is critical to evaluating whether a lease deal is competitive.

The lease vs. buy comparison this calculator provides matters most for high-depreciation vehicles. If a car loses 50% of value in 3 years, buying means absorbing that depreciation. Leasing transfers residual value risk to the manufacturer — which is why manufacturers sometimes subsidize leases with artificially high residuals on slow-selling models.

Dicas

• Money Factor × 2400 = Equivalent APR. Always negotiate the purchase price, not just the monthly payment.

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