{"product_id":"lease-calculator","title":"Lease Calculator","description":"\u003cstyle\u003e\n.lc-calculator {\n  --ink: #0f172a;\n  --muted: #475569;\n  --border: #e2e8f0;\n  --surface: #ffffff;\n  --tint: #f8fafc;\n  --primary: #1d4ed8;\n  --accent: #c2410c;\n  --accent-hover: #9a3412;\n  --chart-1: #1e40af;\n  --chart-2: #0d9488;\n  --chart-3: #7c3aed;\n  --chart-4: #be185d;\n  --chart-5: #334155;\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  padding: 16px;\n  color: var(--ink);\n  background: var(--tint);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  container-type: inline-size;\n}\n.lc-calculator,\n.lc-calculator *,\n.lc-calculator *::before,\n.lc-calculator *::after {\n  box-sizing: border-box;\n}\n.lc-calculator h2,\n.lc-calculator h3,\n.lc-calculator p {\n  margin-top: 0;\n}\n.lc-calculator h2 {\n  margin-bottom: 8px;\n  font-size: 24px;\n  line-height: 1.25;\n  font-weight: 700;\n  letter-spacing: -.02em;\n}\n.lc-calculator h3 {\n  margin-bottom: 8px;\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n}\n.lc-calculator a {\n  color: var(--primary);\n  text-underline-offset: 2px;\n}\n.lc-calculator a:hover {\n  text-decoration-thickness: 2px;\n}\n.lc-header,\n.lc-toolbar,\n.lc-workspace,\n.lc-breakdown,\n.lc-table-card,\n.lc-education,\n.lc-input-panel,\n.lc-results-panel,\n.lc-chart-card,\n.lc-chart-cluster,\n.lc-chart-visual,\n.lc-chart-side,\n.lc-legend,\n.lc-chart-summary,\n.lc-table-overflow,\n.lc-table-note,\n.lc-result-grid,\n.lc-input-grid,\n.lc-field,\n.lc-mode-fieldset,\n.lc-unit-fieldset,\n.lc-pill-row,\n.lc-toolbar-status,\n.lc-primary-result,\n.lc-result-card,\n.lc-education-grid,\n.lc-education-section {\n  min-width: 0;\n}\n.lc-header {\n  padding: 8px 8px 0;\n}\n.lc-subtitle {\n  max-width: 760px;\n  margin-bottom: 16px;\n  color: var(--muted);\n}\n.lc-pill-row {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  margin-bottom: 16px;\n}\n.lc-pill {\n  display: inline-flex;\n  align-items: center;\n  gap: 6px;\n  min-height: 30px;\n  padding: 4px 10px;\n  border: 1px solid var(--border);\n  border-radius: 999px;\n  background: var(--surface);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  line-height: 1.35;\n}\n.lc-pill strong {\n  color: var(--ink);\n  font-variant-numeric: tabular-nums;\n}\n.lc-toolbar {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  gap: 8px;\n  padding: 8px;\n}\n.lc-button {\n  min-height: 46px;\n  border: 1px solid transparent;\n  border-radius: 6px;\n  padding: 11px 16px;\n  font: inherit;\n  font-weight: 650;\n  line-height: 1.2;\n  cursor: pointer;\n  transition: background-color .16s ease, border-color .16s ease, box-shadow .16s ease, transform .16s ease;\n}\n.lc-button:hover {\n  box-shadow: 0 2px 5px rgba(15, 23, 42, .12);\n}\n.lc-button:active {\n  transform: translateY(1px);\n}\n.lc-button:focus-visible,\n.lc-control:focus-visible,\n.lc-segment-input:focus-visible + .lc-segment-label,\n.lc-table-view:focus-visible {\n  outline: 3px solid rgba(29, 78, 216, .35);\n  outline-offset: 2px;\n}\n.lc-download {\n  display: inline-flex;\n  align-items: center;\n  gap: 10px;\n  padding: 12px 18px;\n  color: #ffffff;\n  background: var(--accent);\n  border-color: var(--accent);\n  white-space: nowrap;\n}\n.lc-download:hover {\n  background: var(--accent-hover);\n  border-color: var(--accent-hover);\n}\n.lc-download-icon {\n  width: 18px;\n  height: 18px;\n  flex: 0 0 18px;\n}\n.lc-reset {\n  color: var(--ink);\n  background: var(--surface);\n  border-color: #cbd5e1;\n}\n.lc-reset:hover {\n  border-color: #94a3b8;\n  background: #f1f5f9;\n}\n.lc-toolbar-status {\n  flex: 1 1 220px;\n  padding-left: 4px;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.lc-workspace {\n  display: grid;\n  grid-template-columns: minmax(0, .92fr) minmax(0, 1.08fr);\n  gap: 16px;\n  padding: 8px;\n}\n.lc-input-panel,\n.lc-results-panel,\n.lc-chart-card,\n.lc-table-card,\n.lc-education {\n  background: var(--surface);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n}\n.lc-input-panel,\n.lc-results-panel {\n  padding: 20px;\n}\n.lc-section-intro {\n  margin-bottom: 16px;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.lc-mode-fieldset,\n.lc-unit-fieldset {\n  margin: 0;\n  padding: 0;\n  border: 0;\n}\n.lc-mode-fieldset {\n  margin-bottom: 20px;\n}\n.lc-legend-title,\n.lc-label {\n  display: block;\n  margin-bottom: 7px;\n  color: var(--ink);\n  font-size: 14px;\n  font-weight: 600;\n  line-height: 1.35;\n}\n.lc-segmented {\n  display: inline-grid;\n  grid-auto-flow: column;\n  grid-auto-columns: minmax(0, 1fr);\n  gap: 3px;\n  width: 100%;\n  padding: 3px;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  background: #f1f5f9;\n}\n.lc-unit-fieldset .lc-segmented {\n  width: auto;\n}\n.lc-segment-input {\n  position: absolute;\n  width: 1px;\n  height: 1px;\n  opacity: 0;\n  pointer-events: none;\n}\n.lc-segment-label {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 38px;\n  padding: 7px 12px;\n  border-radius: 4px;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 650;\n  line-height: 1.25;\n  cursor: pointer;\n  user-select: none;\n}\n.lc-segment-input:checked + .lc-segment-label {\n  color: var(--primary);\n  background: var(--surface);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .1);\n}\n.lc-input-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 16px;\n}\n.lc-field {\n  display: flex;\n  flex-direction: column;\n}\n.lc-field-wide {\n  grid-column: 1 \/ -1;\n}\n.lc-control {\n  width: 100%;\n  min-height: 44px;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  padding: 9px 11px;\n  color: var(--ink);\n  background: var(--surface);\n  font: inherit;\n  font-size: 15px;\n  line-height: 1.4;\n  font-variant-numeric: tabular-nums;\n}\n.lc-control:hover {\n  border-color: #94a3b8;\n}\n.lc-control[aria-invalid=\"true\"] {\n  border-color: #b91c1c;\n}\n.lc-field-help,\n.lc-field-error {\n  min-height: 38px;\n  margin-top: 6px;\n  font-size: 13px;\n  font-weight: 500;\n  line-height: 1.45;\n}\n.lc-field-help {\n  color: var(--muted);\n}\n.lc-field-error {\n  color: #991b1b;\n}\n.lc-field-hidden {\n  display: none;\n}\n.lc-term-row {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr) auto;\n  align-items: end;\n  gap: 8px;\n}\n.lc-primary-result {\n  display: grid;\n  gap: 4px;\n  margin-bottom: 16px;\n  padding: 16px;\n  border-left: 4px solid var(--primary);\n  border-radius: 6px;\n  background: #eff6ff;\n}\n.lc-primary-label {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n}\n.lc-primary-value {\n  color: var(--ink);\n  font-size: 30px;\n  font-weight: 700;\n  line-height: 1.2;\n  letter-spacing: -.02em;\n  overflow-wrap: anywhere;\n  font-variant-numeric: tabular-nums;\n}\n.lc-primary-note {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.lc-result-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 12px;\n}\n.lc-result-card {\n  padding: 14px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--surface);\n}\n.lc-result-card-label {\n  margin-bottom: 5px;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n}\n.lc-result-card-value {\n  color: var(--ink);\n  font-size: 20px;\n  font-weight: 700;\n  line-height: 1.3;\n  overflow-wrap: anywhere;\n  font-variant-numeric: tabular-nums;\n}\n.lc-result-card-note {\n  margin-top: 5px;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.lc-validation-summary {\n  display: none;\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid #fecaca;\n  border-radius: 6px;\n  color: #991b1b;\n  background: #fef2f2;\n  font-size: 13px;\n  font-weight: 600;\n}\n.lc-validation-summary.lc-visible {\n  display: block;\n}\n.lc-breakdown {\n  padding: 8px;\n}\n.lc-chart-card,\n.lc-table-card,\n.lc-education {\n  padding: 20px;\n}\n.lc-chart-heading {\n  display: grid;\n  gap: 4px;\n  margin-bottom: 16px;\n}\n.lc-chart-interpretation {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.lc-chart-cluster {\n  display: grid;\n  grid-template-columns: minmax(240px, 300px) max-content;\n  align-items: center;\n  justify-content: center;\n  gap: 24px;\n  width: fit-content;\n  max-width: 100%;\n  margin: 0 auto;\n}\n.lc-chart-visual {\n  display: grid;\n  place-items: center;\n  width: min(100%, 300px);\n  min-height: 248px;\n}\n.lc-donut-svg {\n  display: block;\n  width: min(100%, 260px);\n  height: auto;\n  aspect-ratio: 1;\n  overflow: visible;\n}\n.lc-donut-track {\n  fill: none;\n  stroke: #e2e8f0;\n  stroke-width: 34;\n}\n.lc-donut-segment {\n  fill: none;\n  stroke-width: 34;\n  stroke-linecap: butt;\n  transform: rotate(-90deg);\n  transform-origin: 120px 120px;\n}\n.lc-donut-center-label {\n  fill: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n  text-anchor: middle;\n}\n.lc-donut-center-value {\n  fill: var(--ink);\n  font-size: 20px;\n  font-weight: 700;\n  text-anchor: middle;\n  font-variant-numeric: tabular-nums;\n}\n.lc-chart-side {\n  display: grid;\n  align-content: center;\n  gap: 12px;\n  max-width: 430px;\n}\n.lc-legend {\n  display: grid;\n  gap: 10px;\n}\n.lc-legend-row {\n  display: grid;\n  grid-template-columns: 12px minmax(90px, max-content) max-content max-content;\n  align-items: center;\n  gap: 8px 12px;\n  font-size: 13px;\n  font-weight: 500;\n}\n.lc-legend-swatch {\n  width: 12px;\n  height: 12px;\n  border-radius: 3px;\n}\n.lc-legend-label {\n  color: var(--ink);\n}\n.lc-legend-value,\n.lc-legend-percent {\n  color: var(--muted);\n  font-variant-numeric: tabular-nums;\n}\n.lc-chart-summary {\n  width: 100%;\n  border-collapse: collapse;\n  font-size: 13px;\n}\n.lc-chart-summary th,\n.lc-chart-summary td {\n  padding: 7px 8px;\n  border-bottom: 1px solid var(--border);\n  text-align: left;\n}\n.lc-chart-summary th {\n  color: var(--muted);\n  font-weight: 600;\n}\n.lc-chart-summary td:nth-child(n+2),\n.lc-chart-summary th:nth-child(n+2) {\n  text-align: right;\n  font-variant-numeric: tabular-nums;\n}\n.lc-chart-caption {\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid #dbeafe;\n  border-radius: 6px;\n  color: #334155;\n  background: #f8fbff;\n  font-size: 13px;\n  font-weight: 500;\n}\n.lc-chart-empty {\n  display: none;\n  width: 100%;\n  padding: 16px;\n  border: 1px dashed #cbd5e1;\n  border-radius: 6px;\n  color: var(--muted);\n  background: var(--tint);\n  text-align: center;\n  font-size: 13px;\n  font-weight: 600;\n}\n.lc-chart-empty.lc-visible {\n  display: block;\n}\n.lc-safe-stack .lc-chart-cluster {\n  grid-template-columns: minmax(0, 320px);\n  align-items: start;\n  width: 100%;\n  row-gap: 16px;\n}\n.lc-safe-stack .lc-chart-side {\n  width: min(100%, 430px);\n  margin: 0 auto;\n}\n.lc-safe-stack .lc-chart-caption {\n  margin-top: 16px;\n}\n.lc-table-card {\n  margin: 8px;\n}\n.lc-table-header {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: end;\n  gap: 12px;\n  margin-bottom: 16px;\n}\n.lc-table-heading {\n  flex: 1 1 360px;\n}\n.lc-table-heading p {\n  margin-bottom: 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.lc-table-control {\n  flex: 0 1 190px;\n}\n.lc-table-view {\n  width: 100%;\n  min-height: 42px;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  padding: 8px 10px;\n  color: var(--ink);\n  background: var(--surface);\n  font: inherit;\n  font-size: 14px;\n  font-weight: 600;\n}\n.lc-table-overflow {\n  width: 100%;\n  overflow-x: auto;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--surface);\n}\n.lc-table {\n  width: 100%;\n  min-width: 760px;\n  border-collapse: collapse;\n  font-size: 13px;\n  font-variant-numeric: tabular-nums;\n}\n.lc-table th,\n.lc-table td {\n  padding: 10px 12px;\n  border-bottom: 1px solid var(--border);\n  text-align: right;\n  white-space: nowrap;\n}\n.lc-table th:first-child,\n.lc-table td:first-child {\n  text-align: left;\n}\n.lc-table thead th {\n  color: #ffffff;\n  background: #1e293b;\n  font-weight: 650;\n}\n.lc-table tbody tr:nth-child(even) {\n  background: #f8fafc;\n}\n.lc-table tbody tr:last-child td {\n  border-bottom: 0;\n  font-weight: 650;\n}\n.lc-table-empty {\n  padding: 16px;\n  color: var(--muted);\n  text-align: center;\n  font-size: 13px;\n  font-weight: 600;\n}\n.lc-table-note {\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  color: var(--muted);\n  background: var(--tint);\n  font-size: 13px;\n  font-weight: 500;\n}\n.lc-safe-table-stack .lc-table-note {\n  margin-top: 20px;\n}\n.lc-education {\n  margin: 8px;\n}\n.lc-education \u003e p {\n  color: var(--muted);\n}\n.lc-education-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 24px 32px;\n}\n.lc-education-section p,\n.lc-education-section li {\n  color: #334155;\n}\n.lc-education-section ul {\n  margin: 0;\n  padding-left: 20px;\n}\n.lc-education-section li + li {\n  margin-top: 8px;\n}\n.lc-numeric {\n  font-variant-numeric: tabular-nums;\n}\n.lc-visually-hidden {\n  position: absolute;\n  width: 1px;\n  height: 1px;\n  padding: 0;\n  margin: -1px;\n  overflow: hidden;\n  clip: rect(0, 0, 0, 0);\n  white-space: nowrap;\n  border: 0;\n}\n@container (max-width: 899px) {\n  .lc-workspace {\n    grid-template-columns: minmax(0, 1fr);\n  }\n}\n@container (max-width: 639px) {\n  .lc-calculator {\n    padding: 8px;\n  }\n  .lc-input-panel,\n  .lc-results-panel,\n  .lc-chart-card,\n  .lc-table-card,\n  .lc-education {\n    padding: 16px;\n  }\n  .lc-input-grid,\n  .lc-result-grid,\n  .lc-education-grid {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .lc-chart-cluster {\n    grid-template-columns: minmax(0, 320px);\n    align-items: start;\n    width: 100%;\n    row-gap: 16px;\n  }\n  .lc-chart-side {\n    width: min(100%, 430px);\n    margin: 0 auto;\n  }\n  .lc-legend-row {\n    grid-template-columns: 12px minmax(82px, max-content) max-content max-content;\n    gap: 7px 9px;\n  }\n  .lc-chart-caption {\n    margin-top: 16px;\n  }\n}\n@container (max-width: 419px) {\n  .lc-header,\n  .lc-toolbar,\n  .lc-workspace,\n  .lc-breakdown {\n    padding-left: 4px;\n    padding-right: 4px;\n  }\n  .lc-toolbar-status {\n    flex-basis: 100%;\n    padding: 0;\n  }\n  .lc-download,\n  .lc-reset {\n    flex: 1 1 auto;\n    justify-content: center;\n  }\n  .lc-term-row {\n    grid-template-columns: minmax(0, 1fr);\n    align-items: stretch;\n  }\n  .lc-unit-fieldset .lc-segmented {\n    width: 100%;\n  }\n  .lc-legend-row {\n    grid-template-columns: 12px minmax(0, 1fr) max-content;\n  }\n  .lc-legend-percent {\n    grid-column: 2 \/ -1;\n    padding-left: 0;\n  }\n  .lc-primary-value {\n    font-size: 27px;\n  }\n}\n@media (max-width: 899px) {\n  .lc-calculator .lc-workspace {\n    grid-template-columns: minmax(0, 1fr);\n  }\n}\n@media (prefers-reduced-motion: reduce) {\n  .lc-calculator .lc-button {\n    transition: none;\n  }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"lc-calculator\" data-calculator-root\u003e\n  \u003csection class=\"lc-header\" aria-labelledby=\"lc-title\"\u003e\n    \u003ch2 id=\"lc-title\"\u003eLease Calculator\u003c\/h2\u003e\n    \u003cp class=\"lc-subtitle\"\u003eEstimate a level monthly lease payment from a stated rate, or solve the implied annual rate from a quoted payment. Results update as assumptions change.\u003c\/p\u003e\n    \u003cdiv class=\"lc-pill-row\" aria-label=\"Live lease summary\"\u003e\n      \u003cspan class=\"lc-pill\"\u003eMode \u003cstrong data-lc-pill=\"mode\"\u003eFixed rate\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"lc-pill\"\u003eTerm \u003cstrong data-lc-pill=\"term\"\u003e36 months\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"lc-pill\"\u003eRate \u003cstrong data-lc-pill=\"rate\"\u003e6.00%\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"lc-pill\"\u003eResidual \u003cstrong data-lc-pill=\"residual\"\u003e40.00%\u003c\/strong\u003e\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003cdiv class=\"lc-toolbar\" aria-label=\"Calculator actions\"\u003e\n    \u003cbutton class=\"lc-button lc-download\" type=\"button\" data-lc-action=\"download\"\u003e\n      \u003csvg class=\"lc-download-icon\" viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"\u003e\n        \u003cpath fill=\"currentColor\" d=\"M11 3h2v10.17l3.59-3.58L18 11l-6 6-6-6 1.41-1.41L11 13.17V3Zm-6 16h14v2H5v-2Z\"\u003e\u003c\/path\u003e\n      \u003c\/svg\u003e\n      \u003cspan\u003eDownload Excel\u003c\/span\u003e\n    \u003c\/button\u003e\n    \u003cbutton class=\"lc-button lc-reset\" type=\"button\" data-lc-action=\"reset\"\u003eReset\u003c\/button\u003e\n    \u003cdiv class=\"lc-toolbar-status\" data-lc-status role=\"status\" aria-live=\"polite\"\u003eReady. Edit any assumption to recalculate.\u003c\/div\u003e\n  \u003c\/div\u003e\n\n  \u003csection class=\"lc-workspace\" aria-label=\"Lease assumptions and results\"\u003e\n    \u003cdiv class=\"lc-input-panel\"\u003e\n      \u003ch3\u003eLease assumptions\u003c\/h3\u003e\n      \u003cp class=\"lc-section-intro\"\u003eUse fixed rate when the annual rate is known. Use fixed payment to infer the nominal annual rate embedded in a quote.\u003c\/p\u003e\n\n      \u003cfieldset class=\"lc-mode-fieldset\"\u003e\n        \u003clegend class=\"lc-legend-title\"\u003eCalculation mode\u003c\/legend\u003e\n        \u003cdiv class=\"lc-segmented\"\u003e\n          \u003cinput class=\"lc-segment-input\" type=\"radio\" name=\"lc-mode\" id=\"lc-mode-rate\" value=\"rate\" checked\u003e\n          \u003clabel class=\"lc-segment-label\" for=\"lc-mode-rate\"\u003eFixed rate\u003c\/label\u003e\n          \u003cinput class=\"lc-segment-input\" type=\"radio\" name=\"lc-mode\" id=\"lc-mode-payment\" value=\"payment\"\u003e\n          \u003clabel class=\"lc-segment-label\" for=\"lc-mode-payment\"\u003eFixed payment\u003c\/label\u003e\n        \u003c\/div\u003e\n      \u003c\/fieldset\u003e\n\n      \u003cdiv class=\"lc-input-grid\"\u003e\n        \u003cdiv class=\"lc-field\"\u003e\n          \u003clabel class=\"lc-label\" for=\"lc-asset\"\u003eAsset value\u003c\/label\u003e\n          \u003cinput class=\"lc-control\" id=\"lc-asset\" data-lc-input=\"asset\" type=\"text\" inputmode=\"decimal\" value=\"$20,000.00\" aria-describedby=\"lc-asset-help lc-asset-error\"\u003e\n          \u003cdiv class=\"lc-field-help\" id=\"lc-asset-help\"\u003eCurrent cash price or capitalized value of the leased asset.\u003c\/div\u003e\n          \u003cdiv class=\"lc-field-error\" id=\"lc-asset-error\" data-lc-error=\"asset\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"lc-field\"\u003e\n          \u003clabel class=\"lc-label\" for=\"lc-residual\"\u003eResidual value\u003c\/label\u003e\n          \u003cinput class=\"lc-control\" id=\"lc-residual\" data-lc-input=\"residual\" type=\"text\" inputmode=\"decimal\" value=\"$8,000.00\" aria-describedby=\"lc-residual-help lc-residual-error\"\u003e\n          \u003cdiv class=\"lc-field-help\" id=\"lc-residual-help\"\u003eEstimated asset value remaining at the end of the lease.\u003c\/div\u003e\n          \u003cdiv class=\"lc-field-error\" id=\"lc-residual-error\" data-lc-error=\"residual\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"lc-field lc-field-wide\"\u003e\n          \u003clabel class=\"lc-label\" for=\"lc-term\"\u003eLease term\u003c\/label\u003e\n          \u003cdiv class=\"lc-term-row\"\u003e\n            \u003cinput class=\"lc-control\" id=\"lc-term\" data-lc-input=\"term\" type=\"text\" inputmode=\"decimal\" value=\"3\" aria-describedby=\"lc-term-help lc-term-error\"\u003e\n            \u003cfieldset class=\"lc-unit-fieldset\"\u003e\n              \u003clegend class=\"lc-visually-hidden\"\u003eLease term unit\u003c\/legend\u003e\n              \u003cdiv class=\"lc-segmented\"\u003e\n                \u003cinput class=\"lc-segment-input\" type=\"radio\" name=\"lc-term-unit\" id=\"lc-term-years\" value=\"years\" checked\u003e\n                \u003clabel class=\"lc-segment-label\" for=\"lc-term-years\"\u003eYears\u003c\/label\u003e\n                \u003cinput class=\"lc-segment-input\" type=\"radio\" name=\"lc-term-unit\" id=\"lc-term-months\" value=\"months\"\u003e\n                \u003clabel class=\"lc-segment-label\" for=\"lc-term-months\"\u003eMonths\u003c\/label\u003e\n              \u003c\/div\u003e\n            \u003c\/fieldset\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"lc-field-help\" id=\"lc-term-help\"\u003eThe selected unit converts in place, preserving the same number of monthly periods.\u003c\/div\u003e\n          \u003cdiv class=\"lc-field-error\" id=\"lc-term-error\" data-lc-error=\"term\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"lc-field lc-field-wide\" data-lc-field=\"rate\"\u003e\n          \u003clabel class=\"lc-label\" for=\"lc-rate\"\u003eAnnual interest rate\u003c\/label\u003e\n          \u003cinput class=\"lc-control\" id=\"lc-rate\" data-lc-input=\"rate\" type=\"text\" inputmode=\"decimal\" value=\"6.00%\" aria-describedby=\"lc-rate-help lc-rate-error\"\u003e\n          \u003cdiv class=\"lc-field-help\" id=\"lc-rate-help\"\u003eNominal annual rate divided by 12 for monthly lease calculations.\u003c\/div\u003e\n          \u003cdiv class=\"lc-field-error\" id=\"lc-rate-error\" data-lc-error=\"rate\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"lc-field lc-field-wide lc-field-hidden\" data-lc-field=\"payment\"\u003e\n          \u003clabel class=\"lc-label\" for=\"lc-payment\"\u003eMonthly payment\u003c\/label\u003e\n          \u003cinput class=\"lc-control\" id=\"lc-payment\" data-lc-input=\"payment\" type=\"text\" inputmode=\"decimal\" value=\"$405.06\" aria-describedby=\"lc-payment-help lc-payment-error\"\u003e\n          \u003cdiv class=\"lc-field-help\" id=\"lc-payment-help\"\u003eQuoted recurring payment, excluding taxes, fees, deposits, and one-time charges.\u003c\/div\u003e\n          \u003cdiv class=\"lc-field-error\" id=\"lc-payment-error\" data-lc-error=\"payment\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/div\u003e\n\n    \u003cdiv class=\"lc-results-panel\"\u003e\n      \u003ch3\u003eLive results\u003c\/h3\u003e\n      \u003cp class=\"lc-section-intro\"\u003ePayments are assumed to occur at the end of each month, with the residual value remaining after the final payment.\u003c\/p\u003e\n\n      \u003cdiv class=\"lc-primary-result\" aria-live=\"polite\" aria-atomic=\"true\"\u003e\n        \u003cspan class=\"lc-primary-label\" data-lc-primary-label\u003eEstimated monthly payment\u003c\/span\u003e\n        \u003cstrong class=\"lc-primary-value\" data-lc-primary-value\u003e$405.06\u003c\/strong\u003e\n        \u003cspan class=\"lc-primary-note\" data-lc-primary-note\u003eBased on 36 monthly payments at a 6.00% nominal annual rate.\u003c\/span\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lc-result-grid\"\u003e\n        \u003cdiv class=\"lc-result-card\"\u003e\n          \u003cdiv class=\"lc-result-card-label\"\u003eTotal of lease payments\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-value\" data-lc-result=\"total-payments\"\u003e$14,582.28\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-note\"\u003eRecurring payments only\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lc-result-card\"\u003e\n          \u003cdiv class=\"lc-result-card-label\"\u003eTotal interest charge\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-value\" data-lc-result=\"total-interest\"\u003e$2,582.28\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-note\"\u003ePayments minus value used\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lc-result-card\"\u003e\n          \u003cdiv class=\"lc-result-card-label\"\u003eValue used during lease\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-value\" data-lc-result=\"value-used\"\u003e$12,000.00\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-note\"\u003eAsset value minus residual\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lc-result-card\"\u003e\n          \u003cdiv class=\"lc-result-card-label\"\u003eEffective annual yield\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-value\" data-lc-result=\"effective-rate\"\u003e6.17%\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-note\"\u003eMonthly compounding equivalent\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lc-result-card\"\u003e\n          \u003cdiv class=\"lc-result-card-label\"\u003eResidual share\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-value\" data-lc-result=\"residual-share\"\u003e40.00%\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-note\"\u003eResidual as a share of asset value\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lc-result-card\"\u003e\n          \u003cdiv class=\"lc-result-card-label\"\u003eNumber of payments\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-value\" data-lc-result=\"payment-count\"\u003e36\u003c\/div\u003e\n          \u003cdiv class=\"lc-result-card-note\"\u003eMonthly periods in the schedule\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lc-validation-summary\" data-lc-validation role=\"alert\"\u003e\u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"lc-breakdown\" aria-labelledby=\"lc-breakdown-title\"\u003e\n    \u003cdiv class=\"lc-chart-card\" data-lc-chart-card\u003e\n      \u003cdiv class=\"lc-chart-heading\"\u003e\n        \u003ch3 id=\"lc-breakdown-title\"\u003ePayment breakdown\u003c\/h3\u003e\n        \u003cdiv class=\"lc-chart-interpretation\" data-lc-chart-interpretation\u003eAbout 82.29% of recurring payments covers value used and 17.71% represents interest.\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lc-chart-cluster\" data-lc-chart-cluster\u003e\n        \u003cdiv class=\"lc-chart-visual\" data-lc-chart-visual\u003e\n          \u003csvg class=\"lc-donut-svg\" data-lc-donut viewbox=\"0 0 240 240\" role=\"img\" aria-labelledby=\"lc-donut-title lc-donut-desc\"\u003e\n            \u003ctitle id=\"lc-donut-title\"\u003eLease payment breakdown\u003c\/title\u003e\n            \u003cdesc id=\"lc-donut-desc\" data-lc-donut-desc\u003eValue used $12,000.00 and interest $2,582.28.\u003c\/desc\u003e\n          \u003c\/svg\u003e\n          \u003cdiv class=\"lc-chart-empty\" data-lc-chart-empty\u003eEnter values above to see the payment breakdown.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lc-chart-side\" data-lc-chart-side\u003e\n          \u003cdiv class=\"lc-legend\" data-lc-legend aria-label=\"Payment breakdown legend\"\u003e\u003c\/div\u003e\n          \u003ctable class=\"lc-chart-summary\" data-lc-chart-summary\u003e\n            \u003cthead\u003e\n              \u003ctr\u003e\n\u003cth scope=\"col\"\u003eComponent\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eAmount\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eShare\u003c\/th\u003e\n\u003c\/tr\u003e\n            \u003c\/thead\u003e\n            \u003ctbody data-lc-chart-summary-body\u003e\u003c\/tbody\u003e\n          \u003c\/table\u003e\n          \u003cdiv class=\"lc-chart-caption\" data-lc-chart-caption\u003eRecurring payments do not include the residual value, sales tax, registration, maintenance, insurance, deposits, or contract fees.\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"lc-table-card\" data-lc-table-card aria-labelledby=\"lc-schedule-title\"\u003e\n    \u003cdiv class=\"lc-table-header\"\u003e\n      \u003cdiv class=\"lc-table-heading\"\u003e\n        \u003ch3 id=\"lc-schedule-title\"\u003eLease schedule\u003c\/h3\u003e\n        \u003cp\u003eReview how each payment is split between interest and reduction of the outstanding asset balance.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lc-table-control\"\u003e\n        \u003clabel class=\"lc-label\" for=\"lc-table-view\"\u003eSchedule detail\u003c\/label\u003e\n        \u003cselect class=\"lc-table-view\" id=\"lc-table-view\" data-lc-table-view\u003e\n          \u003coption value=\"monthly\" selected\u003eMonthly\u003c\/option\u003e\n          \u003coption value=\"annual\"\u003eAnnual summary\u003c\/option\u003e\n        \u003c\/select\u003e\n      \u003c\/div\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"lc-table-overflow\" data-lc-table-overflow tabindex=\"0\" aria-label=\"Scrollable lease schedule\"\u003e\n      \u003ctable class=\"lc-table\"\u003e\n        \u003cthead\u003e\n          \u003ctr\u003e\n            \u003cth scope=\"col\" data-lc-col-period\u003eMonth\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eOpening balance\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003ePayment\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eInterest\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eValue reduction\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eEnding balance\u003c\/th\u003e\n          \u003c\/tr\u003e\n        \u003c\/thead\u003e\n        \u003ctbody data-lc-schedule-body\u003e\u003c\/tbody\u003e\n      \u003c\/table\u003e\n      \u003cdiv class=\"lc-table-empty\" data-lc-table-empty\u003eEnter valid values to generate the schedule.\u003c\/div\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"lc-table-note\" data-lc-table-note\u003eThe final ending balance equals the stated residual value. Small one-cent differences can appear in a real contract when each monthly amount is rounded before the next period is calculated.\u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"lc-education\" aria-labelledby=\"lc-guide-title\"\u003e\n    \u003ch2 id=\"lc-guide-title\"\u003eHow to use and interpret the lease calculator\u003c\/h2\u003e\n    \u003cp\u003eThis tool models a level-payment lease using monthly compounding. It is designed for comparison and planning, not as personalized financial, accounting, legal, or tax advice. Contract timing, taxes, fees, advance payments, and purchase options can materially change an actual quote.\u003c\/p\u003e\n\n    \u003cdiv class=\"lc-education-grid\"\u003e\n      \u003cdiv class=\"lc-education-section\"\u003e\n        \u003ch3\u003eWhat the calculator estimates\u003c\/h3\u003e\n        \u003cp\u003eIn \u003cstrong\u003eFixed rate\u003c\/strong\u003e mode, the calculator finds the monthly payment that equates the asset value to the present value of all monthly payments plus the discounted residual value. In \u003cstrong\u003eFixed payment\u003c\/strong\u003e mode, it solves the reverse problem: the payment is known, so the calculator finds the monthly discount rate that makes the cash flows balance, then reports a nominal annual rate and its effective annual equivalent.\u003c\/p\u003e\n        \u003cp\u003eThe model assumes payments at the end of each month. That convention matters. A lease paid at the beginning of each month is an annuity due and would normally have a slightly lower payment for the same asset value, residual, term, and rate. The calculator also excludes sales tax, maintenance, insurance, deposits, documentation fees, acquisition fees, and other contract-specific costs unless they are already embedded in the asset value or payment you enter.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lc-education-section\"\u003e\n        \u003ch3\u003eField-by-field guidance\u003c\/h3\u003e\n        \u003cul\u003e\n          \u003cli\u003e\n\u003cstrong\u003eCalculation mode:\u003c\/strong\u003e choose Fixed rate when an annual rate is disclosed; choose Fixed payment when only a recurring payment is quoted. Switching modes does not change the common asset, residual, or term assumptions.\u003c\/li\u003e\n          \u003cli\u003e\n\u003cstrong\u003eAsset value:\u003c\/strong\u003e enter the negotiated cash price or capitalized value before recurring lease payments. A higher value generally raises the payment and total interest. Do not confuse this with the sum of payments.\u003c\/li\u003e\n          \u003cli\u003e\n\u003cstrong\u003eResidual value:\u003c\/strong\u003e enter the expected value remaining at lease end. A higher residual usually lowers the monthly payment because less asset value is consumed, although interest still accrues on the outstanding balance. Residuals may exceed initial value for appreciating assets, but that can produce unusual or negative payment economics.\u003c\/li\u003e\n          \u003cli\u003e\n\u003cstrong\u003eLease term:\u003c\/strong\u003e enter years or months. The unit switch converts the current number rather than relabeling it. Longer terms usually reduce the monthly payment but can increase total interest. A term must represent at least one whole month.\u003c\/li\u003e\n          \u003cli\u003e\n\u003cstrong\u003eAnnual interest rate:\u003c\/strong\u003e in Fixed rate mode, enter the nominal annual percentage. The model divides it by 12. Zero is valid and produces straight-line value reduction. Rates below negative 1,200% are rejected because the monthly compounding factor would be nonpositive.\u003c\/li\u003e\n          \u003cli\u003e\n\u003cstrong\u003eMonthly payment:\u003c\/strong\u003e in Fixed payment mode, enter the recurring contractual amount before optional charges. The solver may return a negative implied rate when the payment is unusually low relative to the asset and residual. If no finite rate can reconcile the cash flows, review the inputs for omitted upfront amounts or fees.\u003c\/li\u003e\n        \u003c\/ul\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lc-education-section\"\u003e\n        \u003ch3\u003eUnderstanding every result\u003c\/h3\u003e\n        \u003cp\u003e\u003cstrong\u003eEstimated monthly payment\u003c\/strong\u003e is the core output in Fixed rate mode. \u003cstrong\u003eImplied annual rate\u003c\/strong\u003e becomes the core output in Fixed payment mode; it is the solved monthly rate multiplied by 12, matching the nominal annual convention used for the rate input. \u003cstrong\u003eEffective annual yield\u003c\/strong\u003e compounds the monthly rate for 12 months, so it is normally a little higher than a positive nominal rate.\u003c\/p\u003e\n        \u003cp\u003e\u003cstrong\u003eTotal of lease payments\u003c\/strong\u003e equals the monthly payment multiplied by the number of periods. It excludes the residual payment or purchase option unless the contract explicitly includes it in the recurring amount. \u003cstrong\u003eValue used during lease\u003c\/strong\u003e equals asset value minus residual value. \u003cstrong\u003eTotal interest charge\u003c\/strong\u003e is recurring payments minus value used; it can be zero at a zero rate and negative when the implied rate is negative. \u003cstrong\u003eResidual share\u003c\/strong\u003e helps compare structures by showing the end value as a percentage of initial asset value.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lc-education-section\"\u003e\n        \u003ch3\u003eReading the chart and schedule\u003c\/h3\u003e\n        \u003cp\u003eThe donut chart divides positive recurring-payment economics into value used and interest. The legend and compact data table use the same unrounded model values, then apply consistent display rounding. When there is only one positive component, it is explicitly shown as 100%. When the inputs produce no drawable positive total, the chart is replaced with a compact message rather than a decorative placeholder.\u003c\/p\u003e\n        \u003cp\u003eThe monthly schedule begins with the asset value. Each period calculates interest on the opening balance, subtracts the value-reduction portion of the payment, and carries the remaining balance forward. The annual summary aggregates monthly payments, interest, and reduction while preserving the first opening and final ending balance for each year. The last row is constrained to the stated residual value to eliminate floating-point drift.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lc-education-section\"\u003e\n        \u003ch3\u003ePractical comparisons and common mistakes\u003c\/h3\u003e\n        \u003cp\u003eCompare quotes using the same asset value, residual assumption, payment timing, term, and fee treatment. A low payment can be caused by a high residual rather than a low financing cost. Likewise, extending the term can make the monthly number look affordable while increasing cumulative interest and e\nxposure to maintenance or obsolescence.\u003c\/p\u003e\n        \u003cp\u003eCommon mistakes include entering an MSRP instead of the negotiated capitalized value, treating a percentage residual as a dollar amount, omitting an upfront payment that reduced the quoted monthly amount, or comparing a tax-inclusive quote with a tax-exclusive model. Reset clears editable assumptions to a neutral state; it does not restore the opening example.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lc-education-section\"\u003e\n        \u003ch3\u003eAccounting and consumer context\u003c\/h3\u003e\n        \u003cp\u003eBusiness lease classification and recognition can differ from simple cash-flow math. U.S. entities can consult the \u003ca href=\"https:\/\/www.fasb.org\/page\/PageContent?pageId=\/standards\/accounting-standards-codification.html\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFASB Accounting Standards Codification\u003c\/a\u003e, while international reporters can review \u003ca href=\"https:\/\/www.ifrs.org\/issued-standards\/list-of-standards\/ifrs-16-leases\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eIFRS 16 Leases\u003c\/a\u003e. Consumers evaluating vehicle contracts may also find the \u003ca href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-should-i-know-before-i-lease-a-car-en-828\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eConsumer Financial Protection Bureau’s leasing guidance\u003c\/a\u003e useful.\u003c\/p\u003e\n        \u003cp\u003eThese resources explain disclosure and accounting considerations that are outside this calculator’s scope. Always reconcile the model with the actual contract, including payment timing, taxes, mileage or usage limits, termination terms, maintenance obligations, security deposits, and end-of-term purchase provisions.\u003c\/p\u003e\n      \u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909482946803,"sku":"lease-calculator","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/lease-calculator.webp?v=1783935415","url":"https:\/\/financialmodelslab.com\/products\/lease-calculator","provider":"Financial Models Lab","version":"1.0","type":"link"}