Assess a leasing offer or estimate a leasing rate in a model: leasing factor, total costs and effective monthly burden - clearly separated from financing.
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Inputs
Enter values
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Assess an offerLeasing factor and total costs from an offer
Offer
EUR
EUR
EUR
Months
EUR
For example, provision or delivery.
EUR
For example, return or diminished-value costs.
Load example
For illustration only – your own calculation is what counts.
Explanation
How Leasing calculator works
The leasing calculator assesses vehicle leasing in two directions: it analyses an existing offer or estimates a rate in a model. Leasing is the granting of use and is deliberately shown separately from car financing.
Assess an offer
Leasing factorMonthly rate / list price × 100
A key figure for a rough offer comparison.
Total costsInstalments + special payment + one-off costs + end costs
All transparently entered cost components.
Estimate a rate
Model rate(Assessment value − residual value − special payment) / term + interest portion
Depreciation share plus a model interest share on the tied-up capital.
Practice
Practical examples
For illustration only – your own calculation is what counts.
Result: Leasing factor 0.80; total costs EUR 16,320 and an effective monthly burden of around EUR 453.33.
Model rate from the assessment value
Assessment value EUR 38,000, residual value EUR 20,000, 36 months, 4 % assumed interest, EUR 3,000 special payment.
Result: Model monthly rate of around EUR 503.33 from the depreciation share and the assumed interest.
Notes
Common mistakes
Only looked at the leasing factor
The special payment, term and mileage are ignored.
Include the total costs and the effective monthly burden.
Leasing confused with financing
At the end an acquisition of ownership is wrongly assumed.
Residual-value and mileage leasing usually end with a return, not with ownership.
End costs overlooked
Return or diminished-value costs are missing from the calculation.
Transparently enter the end costs that are possible under the contract.
FAQ
Frequently asked questions
What is the difference from car financing?
With leasing the use is granted, not ownership financed. At the end the vehicle is usually returned; no loan arises.
What is the leasing factor?
The monthly rate divided by the list price times 100. It makes offers roughly comparable but ignores the special payment, term and mileage.
What does the offer mode calculate?
From the monthly rate, special payment and additional costs, it derives the leasing factor, the total costs and the effective monthly burden of a specific offer.
What does the rate mode calculate?
A model rate from the assessment value, residual value, term, assumed interest and special payment. The result is an approximation, not an offer.
What is residual-value leasing?
The calculated residual value at the end of the contract determines the rate. If the real value differs, an additional payment or a credit may result.
What is mileage leasing?
The rate is based on an agreed annual mileage. Extra or unused kilometres are settled separately at the end.
How does the special payment work?
A higher special payment lowers the monthly rate but increases the initial burden. The effective monthly burden takes both into account.
Which costs arise at the end?
Depending on the contract, return, diminished-value or extra-mileage costs. The calculator only considers transparently entered end costs.
Is the assumed interest an effective annual rate?
No. The assumed interest in the rate mode is a model figure and not a contractually stated effective annual rate.
Is this a contract review?
No. The calculator does not review contract clauses and does not replace legal or tax advice.
Limits
Limitations
The model rate is an approximation and not a binding offer.
Contract clauses, residual-value risk and mileage settlement are not reviewed legally.
No legal or tax advice; the leasing contract is decisive.
Sources
Sources and references
§ 535 BGB – Inhalt und Hauptpflichten des MietvertragsBundesministerium der Justiz / Bundesamt für Justiz
Official basis of the tenancy-law-oriented granting of use on which leasing is modelled.
View sourceRetrieved: 08/03/2026 · Verified on: 08/03/2026 · Primary source
Leasing – VerbraucherinformationBundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
Official consumer information on financial products and their risks.
View sourceRetrieved: 08/03/2026 · Verified on: 08/03/2026 · Primary source
Auto-Leasing: Grundlagen und VertragsartenADAC e.V.
Methodological reference on residual-value and mileage leasing, the leasing factor and cost components.
View sourceRetrieved: 08/03/2026 · Verified on: 08/03/2026
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