Car Leasing Calculator 2026
Calculate the exact monthly leasing payment based on the car price, down payment, interest rate and contract term. The calculator works in real time — you see the result as soon as you change a parameter.
How to use: enter the car price, specify the down payment (15–25% recommended), pick the term (24–72 months) and interest rate. The calculator will show your monthly payment, total amount paid and financing cost.
Leasing Calculator 2026
Free car leasing calculator. Calculate accurate monthly car lease payments based on car price, down payment, and lease term.
• Lower down payment than buying with cash
• Fixed monthly installments
• Ability to change cars every few years
• For companies - tax benefits
• The car is not your property until full purchase
• Additional fees for exceeded mileage
• Restrictions on car condition
• Early contract termination can be expensive
• Total payment amount higher than buying with cash
• Insurance required
Ready to start?
Contact us and get an accurate leasing offer for your car
Select the car type (gasoline, hybrid, electric) - the base interest rate depends on this.
Set the car price and down payment. A larger down payment usually means a lower monthly payment.
Choose the leasing term (12-60 months) and residual value that you'll pay at the end of the contract.
Get the estimated monthly payment, total amount, and interest.
Car price
The more expensive the car, the higher the financed amount and consequently higher monthly payment.
Down payment
A larger down payment (usually 10% to 30%) reduces the financed amount and monthly payments.
Leasing term
A longer term (e.g., 60 months) means lower monthly payments, but a higher total amount paid.
Residual value
A higher residual value reduces monthly payments, but you'll need to pay more at the end of the contract.
Interest rate
Depends on car type: electric vehicles usually have the lowest rates (from 1.45%), hybrids from 1.75%, gasoline from 2.29%.
EURIBOR
The variable interest component added to the base rate. In early 2026, EURIBOR is around 2.2%.
Economy car
- Car price:EUR 10,000
- Down payment:EUR 1,000 (10%)
- Lease term:36 months
- Residual value:EUR 3,000 (30%)
- Monthly payment:~EUR 180-200/month
Mid-range car
- Car price:EUR 20,000
- Down payment:EUR 2,000 (10%)
- Lease term:48 months
- Residual value:EUR 6,000 (30%)
- Monthly payment:~EUR 280-320/month
Premium car
- Car price:EUR 30,000
- Down payment:EUR 3,000 (10%)
- Lease term:60 months
- Residual value:EUR 9,000 (30%)
- Monthly payment:~EUR 350-400/month
Note: The examples provided are indicative and based on average 2026 market conditions (base interest rate + EURIBOR). Contact our specialists for an accurate offer.
Frequently Asked Questions
Answers to the most popular questions about car leasing
Car leasing is a financing method where a leasing company buys the car and transfers it for use to the client. The client pays monthly installments, and at the end of the contract can purchase the car by paying the residual value.
In 2026, leasing interest rates start from 1.45% for electric vehicles, 1.75% for hybrids, and 2.29% for gasoline/diesel cars. EURIBOR (around 2.2%) is added to the base interest rate.
The minimum down payment for leasing is typically 10% of the car's price. A larger down payment allows you to reduce monthly installments.
Residual value is the amount you pay at the end of the leasing contract if you want to become the car owner. A higher residual value means lower monthly payments but a larger final payment.
You can find the cheapest leasing by choosing an electric or hybrid vehicle (lower interest rates), increasing the down payment, and comparing offers from several leasing companies. WHEELSTREET specialists will help you find the best option.
Below we provide a real car leasing example to help you better understand how the calculations work:
Initial data
- • Car price: 25,000 EUR
- • Down payment (10%): 2,500 EUR
- • Residual value (30%): 7,500 EUR
- • Lease term: 48 months
- • interest: ~4.5% (base + EURIBOR)
Results
- • Monthly payment: ~350 EUR
- • Leasing amount: 15,000 EUR
- • Interest: ~1,800 EUR
- • BVKKMN
Note: Exact conditions depend on the car value, your credit history, and the chosen leasing company.
Want a personal offer?
Our financing experts will compare all bank offers and prepare the best option for you within 24 hours.
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