Love It and Lease It

Reverse Lease Calculator - Catch Dealer Markups

🕵️ Dealer Quote Analyzer

Perfect for the dealership! Dealer says "This car leases for $450/month"? Enter that quote and we'll reverse-calculate their APR and effective selling price. No more "don't worry about the rate" BS!

The monthly payment the dealer quoted you
Sticker price (you can find this)
Manufacturer rebates (published online)
Cash you're putting down (often $0 for leases)
What you'd pay to buy it at lease end (in your lease contract)
Optional: If they said "You qualified for X% APR". Solves ambiguity.
BEST OPTION: Total finance/rent charge from the agreement. The most accurate way to solve.

🎯 What They're Really Charging

0.00%
Effective APR
Money Factor: 0.000000

💰 Payment Breakdown

Depreciation: $0
Finance Charge: $0
Before Tax: $0
Their Quote: $0
Residual %: 0%
Effective Selling Price: $0
Discount/Markup: 0%

📊 Market Comparison (2025 Data)

Tier 1 (750+ credit): 2.4% - 5.5%
Tier 2-3 (640-750): 5.5% - 8.5%
Their Quote: 0.00%
Source: 2025 captive lender buy rates
🎯 Visualize Your Deal in 3D
ℹ️ About these calculations & disclaimer

How the math works

Calculation paths:
• Direct – If you enter the Total Lease Charge or the dealer-quoted APR, the result is exact.
• Iterative estimate – If neither is supplied, the app finds the lowest realistic APR that balances the payment; this is an educated estimate, not a guaranteed rate.

Disclaimer: This tool is for educational use only. Calculations are based on industry-standard lease formulas and the numbers you provide. Programs, fees and taxes differ by lender and jurisdiction; always confirm figures with your dealer or finance office before signing any contract.