{"product_id":"lease","title":"Lease Calculator","description":"\u003cstyle\u003e\n.lease-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  color: var(--ink);\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  container-name: lease-calc;\n  container-type: inline-size;\n  font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Arial, sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  margin: 0 auto;\n  max-width: 1200px;\n  padding: 24px;\n  width: 100%;\n}\n.lease-calculator, .lease-calculator *, .lease-calculator *::before, .lease-calculator *::after { box-sizing: border-box; }\n.lease-calculator * { min-width: 0; }\n.lease-calculator h2, .lease-calculator h3, .lease-calculator p { margin-top: 0; }\n.lease-calculator h2 { font-size: 24px; font-weight: 700; line-height: 1.25; margin-bottom: 8px; }\n.lease-calculator h3 { font-size: 18px; font-weight: 650; line-height: 1.35; margin-bottom: 12px; }\n.lease-calculator p { margin-bottom: 12px; }\n.lease-calculator a { color: var(--primary); font-weight: 600; text-underline-offset: 2px; }\n.lease-calculator a:hover { text-decoration-thickness: 2px; }\n.lease-header { border-bottom: 1px solid var(--border); padding-bottom: 16px; }\n.lease-subtitle { color: var(--muted); margin-bottom: 16px; max-width: 760px; }\n.lease-pills { display: flex; flex-wrap: wrap; gap: 8px; }\n.lease-pill { align-items: baseline; background: var(--tint); border: 1px solid var(--border); border-radius: 999px; color: var(--muted); display: inline-flex; font-size: 13px; font-weight: 500; gap: 6px; padding: 5px 10px; }\n.lease-pill strong { color: var(--ink); font-variant-numeric: tabular-nums; font-weight: 700; }\n.lease-toolbar { align-items: center; display: flex; flex-wrap: wrap; gap: 12px; padding: 16px 0 24px; }\n.lease-button { align-items: center; border: 1px solid transparent; border-radius: 6px; cursor: pointer; display: inline-flex; font: inherit; font-weight: 700; gap: 10px; justify-content: center; min-height: 44px; padding: 11px 18px; text-decoration: none; transition: background-color .15s ease, border-color .15s ease, box-shadow .15s ease, transform .15s ease; white-space: nowrap; }\n.lease-button:hover { box-shadow: 0 2px 6px rgba(15,23,42,.12); }\n.lease-button:active { transform: translateY(1px); }\n.lease-button:focus-visible, .lease-calculator input:focus-visible, .lease-calculator select:focus-visible, .lease-calculator summary:focus-visible { outline: 3px solid rgba(29,78,216,.35); outline-offset: 2px; }\n.lease-download { background: var(--accent); color: #ffffff; }\n.lease-download:hover { background: var(--accent-hover); }\n.lease-download-icon { display: inline-block; font-size: 18px; line-height: 1; }\n.lease-reset { background: var(--surface); border-color: #94a3b8; color: var(--ink); }\n.lease-reset:hover { background: var(--tint); border-color: #64748b; }\n.lease-workspace { display: grid; gap: 24px; grid-template-columns: minmax(0,1fr); }\n.lease-panel { background: var(--surface); border: 1px solid var(--border); border-radius: 8px; box-shadow: 0 1px 2px rgba(15,23,42,.04); min-width: 0; padding: 20px; }\n.lease-panel-heading { align-items: start; display: flex; gap: 12px; justify-content: space-between; margin-bottom: 16px; }\n.lease-panel-heading p { color: var(--muted); font-size: 13px; font-weight: 500; margin: 3px 0 0; }\n.lease-form-grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(210px,1fr)); }\n.lease-field, .lease-fieldset { display: flex; flex-direction: column; gap: 6px; margin: 0; min-width: 0; }\n.lease-fieldset { border: 0; padding: 0; }\n.lease-label, .lease-legend { color: var(--ink); font-size: 14px; font-weight: 600; line-height: 1.35; }\n.lease-helper { color: var(--muted); font-size: 13px; font-weight: 500; line-height: 1.4; min-height: 36px; }\n.lease-control { background: var(--surface); border: 1px solid #94a3b8; border-radius: 6px; color: var(--ink); font: inherit; font-variant-numeric: tabular-nums; min-height: 44px; padding: 9px 11px; width: 100%; }\n.lease-control:hover { border-color: #64748b; }\n.lease-control[aria-invalid=\"true\"] { border-color: #b91c1c; box-shadow: 0 0 0 1px #b91c1c; }\n.lease-error { color: #991b1b; font-size: 13px; font-weight: 600; line-height: 1.35; min-height: 18px; }\n.lease-segmented { background: var(--tint); border: 1px solid var(--border); border-radius: 6px; display: grid; gap: 4px; grid-template-columns: repeat(2,minmax(0,1fr)); padding: 4px; }\n.lease-segmented input { height: 1px; opacity: 0; position: absolute; width: 1px; }\n.lease-segmented label { align-items: center; border: 1px solid transparent; border-radius: 4px; color: var(--muted); cursor: pointer; display: flex; font-size: 13px; font-weight: 700; justify-content: center; min-height: 34px; padding: 6px 8px; text-align: center; }\n.lease-segmented input:checked + label { background: var(--surface); border-color: #94a3b8; box-shadow: 0 1px 2px rgba(15,23,42,.06); color: var(--ink); }\n.lease-segmented input:focus-visible + label { outline: 3px solid rgba(29,78,216,.35); outline-offset: 1px; }\n.lease-unit-stack { display: grid; gap: 8px; }\n.lease-term-grid { display: grid; gap: 8px; grid-template-columns: repeat(2,minmax(0,1fr)); }\n.lease-input-suffix { position: relative; }\n.lease-input-suffix span { color: var(--muted); font-size: 13px; font-weight: 600; pointer-events: none; position: absolute; right: 11px; top: 50%; transform: translateY(-50%); }\n.lease-input-suffix .lease-control { padding-right: 54px; }\n.lease-advanced { border-top: 1px solid var(--border); margin-top: 20px; padding-top: 16px; }\n.lease-advanced summary { color: var(--primary); cursor: pointer; font-size: 14px; font-weight: 700; list-style-position: outside; padding: 4px 0; }\n.lease-advanced[open] summary { margin-bottom: 16px; }\n.lease-results { display: grid; gap: 12px; grid-template-columns: repeat(2,minmax(0,1fr)); }\n.lease-result-card { background: var(--tint); border: 1px solid var(--border); border-radius: 8px; display: flex; flex-direction: column; gap: 4px; justify-content: center; min-height: 112px; padding: 16px; }\n.lease-result-card.lease-primary-result { background: #eff6ff; border-color: #93c5fd; grid-column: 1 \/ -1; min-height: 138px; }\n.lease-result-label { color: var(--muted); font-size: 13px; font-weight: 600; }\n.lease-result-value { color: var(--ink); font-size: 20px; font-variant-numeric: tabular-nums; font-weight: 700; line-height: 1.2; overflow-wrap: anywhere; }\n.lease-primary-result .lease-result-value { color: #1e3a8a; font-size: 30px; }\n.lease-result-note { color: var(--muted); font-size: 13px; font-weight: 500; line-height: 1.4; margin-top: 2px; }\n.lease-live { border-radius: 6px; color: var(--muted); font-size: 13px; font-weight: 600; margin-top: 12px; min-height: 20px; }\n.lease-section { border-top: 1px solid var(--border); margin-top: 24px; padding-top: 24px; }\n.lease-section-intro { color: var(--muted); font-size: 13px; font-weight: 500; margin-bottom: 16px; }\n.lease-breakdown-grid { align-items: start; display: grid; gap: 24px; grid-template-columns: minmax(0,1fr); }\n.lease-chart-card { background: var(--surface); container-name: lease-chart; container-type: inline-size; border: 1px solid var(--border); border-radius: 8px; min-width: 0; padding: 20px; }\n.lease-chart-card.lease-safe-stack { height: auto; }\n.lease-chart-heading { margin-bottom: 16px; }\n.lease-chart-heading h3 { margin-bottom: 4px; }\n.lease-chart-heading p { color: var(--muted); font-size: 13px; font-weight: 500; margin-bottom: 0; }\n.lease-chart-total { color: var(--ink); font-size: 20px; font-variant-numeric: tabular-nums; font-weight: 700; margin-top: 8px; }\n.lease-chart-cluster { align-items: center; display: grid; gap: 24px; grid-template-columns: minmax(0,1fr); justify-items: center; margin: 0 auto; max-width: 760px; }\n.lease-plot-box { align-items: center; display: flex; justify-content: center; min-height: 240px; width: 100%; }\n.lease-donut-svg { display: block; height: auto; max-width: 320px; width: min(100%,320px); }\n.lease-line-svg { display: block; height: auto; max-width: 760px; width: 100%; }\n.lease-chart-empty { align-items: center; background: var(--tint); border: 1px dashed #94a3b8; border-radius: 6px; color: var(--muted); display: none; font-size: 14px; font-weight: 600; justify-content: center; min-height: 96px; padding: 16px; text-align: center; width: 100%; }\n.lease-legend { display: grid; gap: 10px; justify-content: center; max-width: 100%; width: max-content; }\n.lease-legend-row { align-items: center; display: grid; font-size: 13px; font-weight: 500; gap: 8px 12px; grid-template-columns: 12px minmax(90px,max-content) max-content max-content; max-width: 100%; }\n.lease-swatch { border-radius: 3px; height: 12px; width: 12px; }\n.lease-legend-label { color: var(--ink); }\n.lease-legend-value, .lease-legend-percent { color: var(--muted); font-variant-numeric: tabular-nums; white-space: nowrap; }\n.lease-chart-table-wrap { overflow-x: auto; width: 100%; }\n.lease-chart-summary { border-collapse: collapse; font-size: 13px; margin-top: 16px; width: 100%; }\n.lease-chart-summary th, .lease-chart-summary td { border-bottom: 1px solid var(--border); padding: 8px 6px; text-align: left; }\n.lease-chart-summary th { color: var(--muted); font-weight: 600; }\n.lease-chart-summary td { font-variant-numeric: tabular-nums; }\n.lease-chart-callout { background: var(--tint); border: 1px solid var(--border); border-radius: 6px; color: var(--muted); font-size: 13px; font-weight: 500; line-height: 1.5; margin-top: 16px; padding: 10px 12px; }\n.lease-safe-stack .lease-chart-cluster { gap: 20px; grid-template-columns: minmax(0,1fr); }\n.lease-safe-stack .lease-chart-callout { margin-top: 20px; }\n.lease-line-card { margin-top: 24px; }\n.lease-line-card .lease-plot-box { min-height: 0; }\n.lease-line-layout { display: grid; gap: 20px; }\n.lease-line-legend { display: flex; flex-wrap: wrap; gap: 12px 20px; justify-content: center; margin-top: 16px; }\n.lease-line-legend .lease-legend-row { grid-template-columns: 12px max-content max-content; }\n.lease-table-toolbar { align-items: end; display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; margin-bottom: 12px; }\n.lease-table-toolbar .lease-field { max-width: 220px; }\n.lease-table-wrap { border: 1px solid var(--border); border-radius: 6px; overflow-x: auto; width: 100%; }\n.lease-table { border-collapse: collapse; font-size: 13px; min-width: 940px; width: 100%; }\n.lease-table th, .lease-table td { border-bottom: 1px solid var(--border); padding: 10px 12px; text-align: right; white-space: nowrap; }\n.lease-table th { background: #172554; color: #ffffff; font-weight: 700; }\n.lease-table th:first-child, .lease-table td:first-child { text-align: left; }\n.lease-table tbody tr:hover { background: #f8fafc; }\n.lease-table td { color: var(--ink); font-variant-numeric: tabular-nums; }\n.lease-table-note { background: var(--tint); border: 1px solid var(--border); border-radius: 6px; color: var(--muted); font-size: 13px; font-weight: 500; line-height: 1.5; margin-top: 16px; padding: 10px 12px; }\n.lease-safe-table-stack .lease-table-note { margin-top: 20px; }\n.lease-education { color: #334155; margin-left: auto; margin-right: auto; max-width: 920px; }\n.lease-education h2 { color: var(--ink); font-size: 20px; margin-top: 28px; }\n.lease-education h2:first-child { margin-top: 0; }\n.lease-education h3 { color: var(--ink); margin-top: 20px; }\n.lease-education ul { margin: 0 0 16px; padding-left: 22px; }\n.lease-education li { margin-bottom: 8px; }\n.lease-formula { background: var(--tint); border-left: 4px solid var(--primary); border-radius: 0 6px 6px 0; color: var(--ink); font-variant-numeric: tabular-nums; margin: 16px 0; overflow-wrap: anywhere; padding: 12px 14px; }\n.lease-disclaimer { background: #fff7ed; border: 1px solid #fdba74; border-radius: 6px; color: #7c2d12; font-size: 13px; font-weight: 600; margin-top: 20px; padding: 12px 14px; }\n@container lease-chart (min-width: 500px) {\n  .lease-chart-cluster { grid-template-columns: minmax(220px,320px) max-content; }\n  .lease-safe-stack .lease-chart-cluster { grid-template-columns: minmax(0,1fr); }\n}\n@container lease-calc (min-width: 900px) {\n  .lease-workspace { grid-template-columns: minmax(0,1.08fr) minmax(360px,.92fr); }\n}\n@container lease-calc (min-width: 1100px) {\n  .lease-breakdown-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }\n  .lease-line-card { margin-top: 0; }\n}\n@container lease-calc (max-width: 639px) {\n  .lease-calculator { padding: 16px; }\n  .lease-panel, .lease-chart-card { padding: 16px; }\n  .lease-results { grid-template-columns: minmax(0,1fr); }\n  .lease-result-card.lease-primary-result { grid-column: auto; }\n  .lease-legend { justify-content: stretch; width: 100%; }\n  .lease-legend-row { gap: 6px 10px; grid-template-columns: 12px minmax(86px,1fr) max-content; }\n  .lease-legend-percent { grid-column: 2 \/ -1; padding-left: 0; }\n  .lease-chart-cluster { gap: 16px; }\n  .lease-plot-box { min-height: 220px; }\n  .lease-line-card .lease-plot-box { min-height: 0; }\n  .lease-table-toolbar { align-items: stretch; flex-direction: column; }\n  .lease-table-toolbar .lease-field { max-width: none; }\n}\n@container lease-calc (max-width: 359px) {\n  .lease-calculator { padding: 12px; }\n  .lease-button { width: 100%; }\n  .lease-form-grid { grid-template-columns: minmax(0,1fr); }\n  .lease-term-grid { grid-template-columns: minmax(0,1fr); }\n  .lease-chart-card, .lease-panel { padding: 14px; }\n  .lease-legend-row { grid-template-columns: 12px minmax(74px,1fr) max-content; }\n  .lease-line-layout { width: 100%; }\n  .lease-line-legend { display: grid; justify-content: stretch; width: 100%; }\n  .lease-line-legend .lease-legend-row { grid-template-columns: 12px minmax(0,1fr) max-content; width: 100%; }\n  .lease-chart-callout, .lease-table-note { margin-top: 12px; }\n}\n@media (prefers-reduced-motion: reduce) {\n  .lease-calculator * { scroll-behavior: auto; transition: none; }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"lease-calculator\" data-calculator-root\u003e\n  \u003cheader class=\"lease-header\"\u003e\n    \u003ch2\u003eLease Payment Calculator\u003c\/h2\u003e\n    \u003cp class=\"lease-subtitle\"\u003eEstimate a fixed monthly lease payment, total regular payments, interest cost, end-of-term buyout, and total cash required to own the asset.\u003c\/p\u003e\n    \u003cdiv class=\"lease-pills\" aria-label=\"Live lease summary\"\u003e\n      \u003cspan class=\"lease-pill\"\u003eMonthly \u003cstrong id=\"lease-pill-monthly\"\u003e$0.00\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"lease-pill\"\u003eFinanced \u003cstrong id=\"lease-pill-financed\"\u003e$0.00\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"lease-pill\"\u003eResidual \u003cstrong id=\"lease-pill-residual\"\u003e0.00%\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"lease-pill\"\u003eTerm \u003cstrong id=\"lease-pill-term\"\u003e0 months\u003c\/strong\u003e\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/header\u003e\n\n  \u003cdiv class=\"lease-toolbar\" aria-label=\"Calculator actions\"\u003e\n    \u003cbutton class=\"lease-button lease-download\" id=\"lease-download\" type=\"button\"\u003e\u003cspan class=\"lease-download-icon\" aria-hidden=\"true\"\u003e⇩\u003c\/span\u003e\u003cspan\u003eDownload Excel\u003c\/span\u003e\u003c\/button\u003e\n    \u003cbutton class=\"lease-button lease-reset\" id=\"lease-reset\" type=\"button\"\u003eReset\u003c\/button\u003e\n  \u003c\/div\u003e\n\n  \u003cdiv class=\"lease-workspace\"\u003e\n    \u003csection class=\"lease-panel\" aria-labelledby=\"lease-inputs-heading\"\u003e\n      \u003cdiv class=\"lease-panel-heading\"\u003e\n        \u003cdiv\u003e\n          \u003ch3 id=\"lease-inputs-heading\"\u003eLease assumptions\u003c\/h3\u003e\n          \u003cp\u003eEnter the offer terms. Results update as you type.\u003c\/p\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lease-form-grid\"\u003e\n        \u003cdiv class=\"lease-field\"\u003e\n          \u003clabel class=\"lease-label\" for=\"lease-product-value\"\u003eProduct value\u003c\/label\u003e\n          \u003cinput class=\"lease-control\" id=\"lease-product-value\" type=\"text\" inputmode=\"decimal\" value=\"$30,000.00\" data-lease-kind=\"currency\" aria-describedby=\"lease-product-helper lease-product-error\"\u003e\n          \u003cdiv class=\"lease-helper\" id=\"lease-product-helper\"\u003eThe asset's negotiated cash price before any down payment.\u003c\/div\u003e\n          \u003cdiv class=\"lease-error\" id=\"lease-product-error\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cfieldset class=\"lease-fieldset\"\u003e\n          \u003clegend class=\"lease-legend\"\u003eDown payment\u003c\/legend\u003e\n          \u003cdiv class=\"lease-unit-stack\"\u003e\n            \u003cdiv class=\"lease-segmented\" role=\"radiogroup\" aria-label=\"Down payment unit\"\u003e\n              \u003cinput id=\"lease-down-dollar\" name=\"lease-down-mode\" type=\"radio\" value=\"currency\" checked\u003e\n              \u003clabel for=\"lease-down-dollar\"\u003eAmount ($)\u003c\/label\u003e\n              \u003cinput id=\"lease-down-percent\" name=\"lease-down-mode\" type=\"radio\" value=\"percent\"\u003e\n              \u003clabel for=\"lease-down-percent\"\u003ePercent (%)\u003c\/label\u003e\n            \u003c\/div\u003e\n            \u003clabel class=\"lease-label\" for=\"lease-down-payment\"\u003eDown payment value\u003c\/label\u003e\n            \u003cinput class=\"lease-control\" id=\"lease-down-payment\" type=\"text\" inputmode=\"decimal\" value=\"$5,000.00\" data-lease-kind=\"currency\" aria-describedby=\"lease-down-helper lease-down-error\"\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"lease-helper\" id=\"lease-down-helper\"\u003ePaid at signing and deducted from the amount financed.\u003c\/div\u003e\n          \u003cdiv class=\"lease-error\" id=\"lease-down-error\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/fieldset\u003e\n\n        \u003cfieldset class=\"lease-fieldset\"\u003e\n          \u003clegend class=\"lease-legend\"\u003eResidual value\u003c\/legend\u003e\n          \u003cdiv class=\"lease-unit-stack\"\u003e\n            \u003cdiv class=\"lease-segmented\" role=\"radiogroup\" aria-label=\"Residual value unit\"\u003e\n              \u003cinput id=\"lease-residual-dollar\" name=\"lease-residual-mode\" type=\"radio\" value=\"currency\" checked\u003e\n              \u003clabel for=\"lease-residual-dollar\"\u003eAmount ($)\u003c\/label\u003e\n              \u003cinput id=\"lease-residual-percent\" name=\"lease-residual-mode\" type=\"radio\" value=\"percent\"\u003e\n              \u003clabel for=\"lease-residual-percent\"\u003ePercent (%)\u003c\/label\u003e\n            \u003c\/div\u003e\n            \u003clabel class=\"lease-label\" for=\"lease-residual-value\"\u003eResidual value\u003c\/label\u003e\n            \u003cinput class=\"lease-control\" id=\"lease-residual-value\" type=\"text\" inputmode=\"decimal\" value=\"$14,000.00\" data-lease-kind=\"currency\" aria-describedby=\"lease-residual-helper lease-residual-error\"\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"lease-helper\" id=\"lease-residual-helper\"\u003eThe expected buyout or remaining value at the end of the term.\u003c\/div\u003e\n          \u003cdiv class=\"lease-error\" id=\"lease-residual-error\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/fieldset\u003e\n\n        \u003cdiv class=\"lease-field\"\u003e\n          \u003cspan class=\"lease-label\" id=\"lease-term-label\"\u003eLease term\u003c\/span\u003e\n          \u003cdiv class=\"lease-term-grid\" role=\"group\" aria-labelledby=\"lease-term-label\"\u003e\n            \u003cdiv class=\"lease-input-suffix\"\u003e\n              \u003clabel class=\"lease-label\" for=\"lease-term-years\"\u003eYears\u003c\/label\u003e\n              \u003cinput class=\"lease-control\" id=\"lease-term-years\" type=\"text\" inputmode=\"numeric\" value=\"4\" data-lease-kind=\"integer\" aria-describedby=\"lease-term-helper lease-term-error\"\u003e\n              \u003cspan aria-hidden=\"true\"\u003eyears\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"lease-input-suffix\"\u003e\n              \u003clabel class=\"lease-label\" for=\"lease-term-months\"\u003eExtra months\u003c\/label\u003e\n              \u003cinput class=\"lease-control\" id=\"lease-term-months\" type=\"text\" inputmode=\"numeric\" value=\"0\" data-lease-kind=\"integer\" aria-describedby=\"lease-term-helper lease-term-error\"\u003e\n              \u003cspan aria-hidden=\"true\"\u003emonths\u003c\/span\u003e\n            \u003c\/div\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"lease-helper\" id=\"lease-term-helper\"\u003eThe total period equals years × 12 plus extra months.\u003c\/div\u003e\n          \u003cdiv class=\"lease-error\" id=\"lease-term-error\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"lease-field\"\u003e\n          \u003clabel class=\"lease-label\" for=\"lease-interest-rate\"\u003eAnnual interest rate\u003c\/label\u003e\n          \u003cinput class=\"lease-control\" id=\"lease-interest-rate\" type=\"text\" inputmode=\"decimal\" value=\"4.00%\" data-lease-kind=\"percent\" aria-describedby=\"lease-rate-helper lease-rate-error\"\u003e\n          \u003cdiv class=\"lease-helper\" id=\"lease-rate-helper\"\u003eNominal annual rate divided by 12 for the monthly calculation.\u003c\/div\u003e\n          \u003cdiv class=\"lease-error\" id=\"lease-rate-error\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n\n      \u003cdetails class=\"lease-advanced\" id=\"lease-advanced\"\u003e\n        \u003csummary\u003eAdvanced ownership costs\u003c\/summary\u003e\n        \u003cdiv class=\"lease-form-grid\"\u003e\n          \u003cdiv class=\"lease-field\"\u003e\n            \u003clabel class=\"lease-label\" for=\"lease-upfront-fee\"\u003eUpfront lease fee\u003c\/label\u003e\n            \u003cinput class=\"lease-control\" id=\"lease-upfront-fee\" type=\"text\" inputmode=\"decimal\" value=\"$0.00\" data-lease-kind=\"currency\" aria-describedby=\"lease-fee-helper lease-fee-error\"\u003e\n            \u003cdiv class=\"lease-helper\" id=\"lease-fee-helper\"\u003eAcquisition or documentation fees paid separately at signing.\u003c\/div\u003e\n            \u003cdiv class=\"lease-error\" id=\"lease-fee-error\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"lease-field\"\u003e\n            \u003clabel class=\"lease-label\" for=\"lease-buyout-tax\"\u003eBuyout tax rate\u003c\/label\u003e\n            \u003cinput class=\"lease-control\" id=\"lease-buyout-tax\" type=\"text\" inputmode=\"decimal\" value=\"0.00%\" data-lease-kind=\"percent\" aria-describedby=\"lease-tax-helper lease-tax-error\"\u003e\n            \u003cdiv class=\"lease-helper\" id=\"lease-tax-helper\"\u003eOptional tax applied to the residual buyout amount.\u003c\/div\u003e\n            \u003cdiv class=\"lease-error\" id=\"lease-tax-error\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/details\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"lease-panel\" aria-labelledby=\"lease-results-heading\"\u003e\n      \u003cdiv class=\"lease-panel-heading\"\u003e\n        \u003cdiv\u003e\n          \u003ch3 id=\"lease-results-heading\"\u003eLive results\u003c\/h3\u003e\n          \u003cp\u003eAssumes equal end-of-month payments and a residual balance at maturity.\u003c\/p\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lease-results\"\u003e\n        \u003cdiv class=\"lease-result-card lease-primary-result\"\u003e\n          \u003cspan class=\"lease-result-label\"\u003eMonthly payment\u003c\/span\u003e\n          \u003cstrong class=\"lease-result-value\" id=\"lease-monthly-payment\"\u003e$0.00\u003c\/strong\u003e\n          \u003cspan class=\"lease-result-note\"\u003eRegular payment before any separate taxes, insurance, or usage charges.\u003c\/span\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-result-card\"\u003e\n          \u003cspan class=\"lease-result-label\"\u003eTotal regular payments\u003c\/span\u003e\n          \u003cstrong class=\"lease-result-value\" id=\"lease-total-payments\"\u003e$0.00\u003c\/strong\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-result-card\"\u003e\n          \u003cspan class=\"lease-result-label\"\u003eTotal interest\u003c\/span\u003e\n          \u003cstrong class=\"lease-result-value\" id=\"lease-total-interest\"\u003e$0.00\u003c\/strong\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-result-card\"\u003e\n          \u003cspan class=\"lease-result-label\"\u003eTotal cost to own\u003c\/span\u003e\n          \u003cstrong class=\"lease-result-value\" id=\"lease-total-cost\"\u003e$0.00\u003c\/strong\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-result-card\"\u003e\n          \u003cspan class=\"lease-result-label\"\u003eAmount financed\u003c\/span\u003e\n          \u003cstrong class=\"lease-result-value\" id=\"lease-financed-amount\"\u003e$0.00\u003c\/strong\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-result-card\"\u003e\n          \u003cspan class=\"lease-result-label\"\u003eEnd-of-term buyout\u003c\/span\u003e\n          \u003cstrong class=\"lease-result-value\" id=\"lease-buyout-total\"\u003e$0.00\u003c\/strong\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-result-card\"\u003e\n          \u003cspan class=\"lease-result-label\"\u003eAll-in monthly equivalent\u003c\/span\u003e\n          \u003cstrong class=\"lease-result-value\" id=\"lease-all-in-monthly\"\u003e$0.00\u003c\/strong\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lease-live\" id=\"lease-live\" aria-live=\"polite\"\u003eEnter valid lease terms to calculate.\u003c\/div\u003e\n    \u003c\/section\u003e\n  \u003c\/div\u003e\n\n  \u003csection class=\"lease-section\" aria-labelledby=\"lease-breakdown-heading\"\u003e\n    \u003ch2 id=\"lease-breakdown-heading\"\u003eCost and balance visuals\u003c\/h2\u003e\n    \u003cp class=\"lease-section-intro\"\u003eBoth visuals use the same current-state calculations as the result cards, schedule, and Excel workbook.\u003c\/p\u003e\n    \u003cdiv class=\"lease-breakdown-grid\"\u003e\n      \u003carticle class=\"lease-chart-card\" id=\"lease-cost-chart-card\" data-lease-chart-card\u003e\n        \u003cdiv class=\"lease-chart-heading\"\u003e\n          \u003ch3\u003eCash required to own\u003c\/h3\u003e\n          \u003cp\u003eWhere the full ownership outlay goes.\u003c\/p\u003e\n          \u003cdiv class=\"lease-chart-total\" id=\"lease-chart-total\"\u003e$0.00\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-chart-cluster\"\u003e\n          \u003cdiv class=\"lease-plot-box\" data-lease-plot\u003e\n            \u003csvg class=\"lease-donut-svg\" id=\"lease-cost-chart\" viewbox=\"0 0 220 220\" role=\"img\" aria-labelledby=\"lease-cost-chart-title lease-cost-chart-desc\"\u003e\n              \u003ctitle id=\"lease-cost-chart-title\"\u003eLease cost breakdown\u003c\/title\u003e\n              \u003cdesc id=\"lease-cost-chart-desc\"\u003eEnter values to see the cost breakdown.\u003c\/desc\u003e\n            \u003c\/svg\u003e\n            \u003cdiv class=\"lease-chart-empty\" id=\"lease-cost-empty\"\u003eEnter values above to see the ownership-cost breakdown.\u003c\/div\u003e\n          \u003c\/div\u003e\n          \u003cdiv\u003e\n            \u003cdiv class=\"lease-legend\" id=\"lease-cost-legend\" aria-label=\"Cost breakdown legend\"\u003e\u003c\/div\u003e\n            \u003cdiv class=\"lease-chart-table-wrap\"\u003e\n              \u003ctable class=\"lease-chart-summary\" id=\"lease-cost-summary\"\u003e\n                \u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eComponent\u003c\/th\u003e\n\u003cth\u003eAmount\u003c\/th\u003e\n\u003cth\u003eShare\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n                \u003ctbody id=\"lease-cost-summary-body\"\u003e\u003c\/tbody\u003e\n              \u003c\/table\u003e\n            \u003c\/div\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-chart-callout\" id=\"lease-cost-caption\"\u003eThe chart will appear when the lease has a positive ownership outlay.\u003c\/div\u003e\n      \u003c\/article\u003e\n\n      \u003carticle class=\"lease-chart-card lease-line-card\" id=\"lease-balance-chart-card\" data-lease-chart-card\u003e\n        \u003cdiv class=\"lease-chart-heading\"\u003e\n          \u003ch3\u003eBalance and cumulative payments\u003c\/h3\u003e\n          \u003cp\u003eMonthly path from the amount financed to the residual value.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-line-layout\"\u003e\n          \u003cdiv class=\"lease-plot-box\" data-lease-plot\u003e\n            \u003csvg class=\"lease-line-svg\" id=\"lease-balance-chart\" viewbox=\"0 0 680 300\" role=\"img\" aria-labelledby=\"lease-balance-chart-title lease-balance-chart-desc\"\u003e\n              \u003ctitle id=\"lease-balance-chart-title\"\u003eLease balance and cumulative payment chart\u003c\/title\u003e\n              \u003cdesc id=\"lease-balance-chart-desc\"\u003eEnter valid values to see the lease path.\u003c\/desc\u003e\n            \u003c\/svg\u003e\n            \u003cdiv class=\"lease-chart-empty\" id=\"lease-balance-empty\"\u003eEnter a positive product value and lease term to see the payment path.\u003c\/div\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"lease-line-legend\" id=\"lease-balance-legend\" aria-label=\"Balance chart legend\"\u003e\u003c\/div\u003e\n          \u003cdiv class=\"lease-chart-table-wrap\"\u003e\n            \u003ctable class=\"lease-chart-summary\" id=\"lease-balance-summary\"\u003e\n              \u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSeries\u003c\/th\u003e\n\u003cth\u003eStart\u003c\/th\u003e\n\u003cth\u003eEnd\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n              \u003ctbody id=\"lease-balance-summary-body\"\u003e\u003c\/tbody\u003e\n            \u003c\/table\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lease-chart-callout\" id=\"lease-balance-caption\"\u003eThe line chart will appear when a valid schedule can be calculated.\u003c\/div\u003e\n      \u003c\/article\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"lease-section\" id=\"lease-table-card\" aria-labelledby=\"lease-schedule-heading\"\u003e\n    \u003cdiv class=\"lease-table-toolbar\"\u003e\n      \u003cdiv\u003e\n        \u003ch2 id=\"lease-schedule-heading\"\u003eLease payment schedule\u003c\/h2\u003e\n        \u003cp class=\"lease-section-intro\"\u003eReview how each regular payment is split between interest and balance reduction.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lease-field\"\u003e\n        \u003clabel class=\"lease-label\" for=\"lease-schedule-view\"\u003eSchedule view\u003c\/label\u003e\n        \u003cselect class=\"lease-control\" id=\"lease-schedule-view\"\u003e\n          \u003coption value=\"monthly\" selected\u003eMonthly detail\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=\"lease-table-wrap\" id=\"lease-table-wrap\"\u003e\n      \u003ctable class=\"lease-table\" id=\"lease-schedule-table\"\u003e\n        \u003cthead id=\"lease-schedule-head\"\u003e\u003c\/thead\u003e\n        \u003ctbody id=\"lease-schedule-body\"\u003e\u003c\/tbody\u003e\n      \u003c\/table\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"lease-table-note\" id=\"lease-table-note\"\u003eThe remaining balance is designed to equal the residual value after the final regular payment. The residual buyout is shown separately and is not included in the monthly schedule.\u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"lease-section lease-education\" aria-labelledby=\"lease-guide-heading\"\u003e\n    \u003ch2 id=\"lease-guide-heading\"\u003eWhat this lease calculator estimates\u003c\/h2\u003e\n    \u003cp\u003eThis calculator models a fixed-payment lease in which the lessee pays an amount at signing, makes equal monthly payments, and leaves a specified residual balance at the end. It estimates the contractual monthly payment, the sum of regular payments, the interest embedded in those payments, the residual buyout, and the total cash outlay required to own the asset. It is suitable for comparing vehicle, equipment, or other asset lease offers that use this structure. It does not replace a lessor's disclosure, and it does not automatically include insurance, maintenance, mileage charges, disposition charges, recurring sales tax, or penalties unless they are explicitly represented by the advanced fields.\u003c\/p\u003e\n\n    \u003ch2\u003eHow should each input be used?\u003c\/h2\u003e\n    \u003ch3\u003eProduct value and down payment\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003eProduct value\u003c\/strong\u003e is the negotiated cash price of the asset. Use the actual transaction value rather than a monthly-payment target. A higher value increases the amount financed and normally increases both the monthly payment and total interest. A common mistake is entering the manufacturer's list price even when the lease is based on a lower negotiated price.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eDown payment\u003c\/strong\u003e is cash paid at signing that directly reduces the amount financed. You may enter it as dollars or as a percentage of product value; changing the unit converts the current entry rather than simply changing its label. A larger down payment lowers the regular payment and interest, but it also places more cash at risk upfront. Fees that do not reduce the financed balance belong in the separate upfront-fee field.\u003c\/p\u003e\n\n    \u003ch3\u003eResidual value, term, and rate\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003eResidual value\u003c\/strong\u003e is the agreed end-of-term value or purchase-option price. It can be entered as dollars or as a percentage of product value. A higher residual generally lowers the monthly payment because less principal is repaid during the lease, but it increases the cash needed to buy the asset at maturity. Confirm whether the stated residual excludes taxes or purchase-option fees.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eLease term\u003c\/strong\u003e combines full years and extra months. The term must be at least one month. A longer term spreads the principal reduction across more payments and may lower the payment, but it also creates more periods in which interest accrues. Contract terms, warranty coverage, and expected useful life should be reviewed alongside the numerical result.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eAnnual interest rate\u003c\/strong\u003e is treated as a nominal annual rate divided by 12. Enter 4 for 4%, not 0.04. A higher rate increases the payment and total interest. Some consumer leases quote a money factor instead of an annual percentage rate; convert it using the method stated in the lease disclosure rather than assuming the fields are interchangeable. The \u003ca href=\"https:\/\/consumer.ftc.gov\/articles\/financing-or-leasing-car\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFederal Trade Commission's vehicle leasing guidance\u003c\/a\u003e explains several charges that may appear in an offer.\u003c\/p\u003e\n\n    \u003ch3\u003eAdvanced ownership costs\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003eUpfront lease fee\u003c\/strong\u003e captures acquisition, documentation, or similar charges paid separately at signing. It increases total cost to own but does not reduce the amount financed or the regular payment in this model. \u003cstrong\u003eBuyout tax rate\u003c\/strong\u003e applies a percentage to the residual value when the asset is purchased at maturity. Leave either field at zero when it does not apply. State and local rules differ, so verify taxable amounts in the contract and\nrelevant jurisdiction.\u003c\/p\u003e\n\n    \u003ch2\u003eHow the lease payment formula works\u003c\/h2\u003e\n    \u003cp\u003eThe calculator first subtracts the down payment from the product value to obtain the amount financed. It then calculates a monthly payment that amortizes that amount down to the residual value, rather than to zero. With monthly rate \u003cem\u003er\u003c\/em\u003e, term \u003cem\u003en\u003c\/em\u003e, financed amount \u003cem\u003eP\u003c\/em\u003e, and residual \u003cem\u003eR\u003c\/em\u003e, the fixed payment is:\u003c\/p\u003e\n    \u003cdiv class=\"lease-formula\"\u003ePayment = (P × r × (1 + r)\u003csup\u003en\u003c\/sup\u003e − R × r) ÷ ((1 + r)\u003csup\u003en\u003c\/sup\u003e − 1)\u003c\/div\u003e\n    \u003cp\u003eWhen the interest rate is zero, the formula simplifies to the financed amount minus the residual, divided by the number of months. Full precision is retained internally; currency is rounded only for display and workbook output.\u003c\/p\u003e\n\n    \u003ch2\u003eHow should the results be interpreted?\u003c\/h2\u003e\n    \u003cp\u003e\u003cstrong\u003eMonthly payment\u003c\/strong\u003e is the equal contractual installment. \u003cstrong\u003eTotal regular payments\u003c\/strong\u003e multiplies that amount by the number of months. \u003cstrong\u003eTotal interest\u003c\/strong\u003e is the financing cost implied by the difference between total cash applied to the asset and its product value, excluding optional fees and buyout tax. A zero interest result is possible when the annual rate is zero; a negative result is blocked because it usually indicates inconsistent inputs.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eTotal cost to own\u003c\/strong\u003e adds the down payment, upfront fee, all regular payments, residual buyout, and buyout tax. It is the broadest ownership figure on the page, but it still excludes costs not entered. \u003cstrong\u003eAmount financed\u003c\/strong\u003e is product value less down payment. \u003cstrong\u003eEnd-of-term buyout\u003c\/strong\u003e is residual plus any buyout tax. \u003cstrong\u003eAll-in monthly equivalent\u003c\/strong\u003e divides the total cost to own by the term; it is useful for comparison but is not the contractual monthly bill.\u003c\/p\u003e\n\n    \u003ch2\u003eHow to read the charts and schedule\u003c\/h2\u003e\n    \u003cp\u003eThe donut chart separates the ownership outlay into down payment, regular installments, residual buyout, and any optional advanced costs. The percentage shares use the same amounts shown in its table, so they should sum to approximately 100% after display rounding. The line chart compares the remaining lease balance with cumulative regular payments. The balance should decline toward the residual, while cumulative payments should rise toward the total regular-payment amount.\u003c\/p\u003e\n    \u003cp\u003eThe monthly schedule shows beginning balance, payment, interest, principal reduction, ending balance, cumulative regular payments, and cumulative interest. The annual view groups the same monthly rows without changing the underlying model. The final scheduled balance should equal the residual value; the residual purchase itself is separate from the regular-payment schedule.\u003c\/p\u003e\n\n    \u003ch2\u003eWhat should be checked before accepting a lease?\u003c\/h2\u003e\n    \u003cul\u003e\n      \u003cli\u003eCompare the negotiated asset price, down payment, residual, rate, term, and every fee rather than focusing only on the monthly payment.\u003c\/li\u003e\n      \u003cli\u003eCheck mileage or usage limits, excess-wear standards, insurance requirements, early-termination provisions, and disposition charges.\u003c\/li\u003e\n      \u003cli\u003eConfirm whether taxes are collected upfront, monthly, or at buyout, because this calculator includes only the optional buyout-tax field.\u003c\/li\u003e\n      \u003cli\u003eReview official disclosures. The \u003ca href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/auto-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eConsumer Financial Protection Bureau's auto finance resources\u003c\/a\u003e can help with offer comparison, while \u003ca href=\"https:\/\/www.ecfr.gov\/current\/title-12\/chapter-X\/part-1013\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eRegulation M in the Electronic Code of Federal Regulations\u003c\/a\u003e covers consumer lease disclosures.\u003c\/li\u003e\n      \u003cli\u003eFor business-use vehicles or equipment, consult current tax guidance such as \u003ca href=\"https:\/\/www.irs.gov\/publications\/p463\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eIRS Publication 463\u003c\/a\u003e and obtain professional advice for the specific transaction.\u003c\/li\u003e\n    \u003c\/ul\u003e\n    \u003cdiv class=\"lease-disclaimer\"\u003eThis tool provides general estimates for comparison and education. It is not financial, tax, accounting, or legal advice, and the signed lease agreement controls the actual payment obligations.\u003c\/div\u003e\n  \u003c\/section\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909486026995,"sku":"lease","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/lease.webp?v=1783935492","url":"https:\/\/financialmodelslab.com\/products\/lease","provider":"Financial Models Lab","version":"1.0","type":"link"}