Leasing Calculator
Calculate the monthly leasing rate and total costs. Compare leasing with buying. Online calculator with current 2026 market rates and clear breakdown.
Leasing
Financing
Note: With leasing, the vehicle does not become your property. With financing, you own it after the term.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What is the difference between leasing and buying?
Leasing means you pay for usage over a fixed term and return the asset. Buying means you own it outright. Leasing has lower monthly payments but no ownership at the end unless you exercise a purchase option.
Is leasing tax-deductible for businesses?
Yes, lease payments are fully deductible as operating expenses for businesses. This can be more advantageous than depreciation of a purchased asset, particularly for vehicles and equipment.
What is the Leasing Calculator?
The leasing calculator computes the monthly leasing instalment and total cost of a leasing contract for vehicles or other assets.
How does the Leasing Calculator work?
Enter the purchase price, down payment, leasing period, residual value and leasing factor. The calculator determines the monthly instalment and total cost. A comparison with financing shows which option is cheaper.
Key Data and Facts
Typical terms: 24-48 months. Leasing factor: monthly instalment / gross list price * 100 (good value: below 1.0). A special payment reduces the monthly instalment.
Step-by-Step Guide
How to calculate die Leasingkosten step by step: 1. Bruttolistenpreis des Fahrzeugs oder Gutes enter. 2. Sonderzahlung (Anzahlung) angeben: Reduziert die monatliche rate, aber erhoehte Vorabkosten. 3. Leasingdauer choose: Ueblich 24, 36 oder 48 Monate. 4. Restwert festlegen: Der geschaetzte Wert am Ende der Leasingzeit (bei Restwertleasing). 5. Leasingrate calculate: Vereinfacht: (Kaufpreis - Restwert - Anzahlung) / Laufzeit + Zinskosten. 6. Leasingfaktor pruefen: Monatsrate / Bruttolistenpreis x 100. Guter Wert: unter 1,0. 7. Gesamtkosten compare: Leasingraten + Anzahlung vs. Kauf mit Kredit. Beispiel: Neuwagen, Bruttolistenpreis 35.000 EUR. Sonderzahlung 3.000 EUR. Laufzeit 36 Monate. Restwert 18.000 EUR. Leasingrate: ca. 430 EUR/month. Leasingfaktor: 430 / 35.000 x 100 = 1,23. Gesamtkosten: 3.000 + (430 x 36) = 18.480 EUR. Wertverlust bei Kauf ueber 3 Jahre: 35.000 - 18.000 = 17.000 EUR. Leasing ist hier ca. 1.480 EUR teurer, bietet aber Planungssicherheit.
Calculation Example
Neuwagen 35.000 EUR, Sonderzahlung 3.000 EUR, 36 Monate, Restwert 18.000 EUR. Leasingrate: 430 EUR/month. Leasingfaktor: 1,23. Gesamtkosten Leasing: 18.480 EUR.
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