Result
Overpayment above the asset's cost
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This calculation is for informational purposes only and does not replace advice from a qualified professional. Formulas and rates may not fit your exact situation — double-check the figures before making decisions.
How it is calculated
Total paid = down payment + monthly payment × term + residual value at buyout. Overpayment = total paid − asset cost. The monthly payment uses the same formula as the separate leasing payment calculator: the financed amount is the asset cost minus the down payment and the residual value discounted to today.
Leasing overpayment is essentially the cost of the markup (the equivalent of loan interest) for using the asset on an installment basis. The higher the markup rate and the longer the term, the bigger the overpayment — the same logic as overpayment on an ordinary loan.
If there's no plan to buy out the asset at the end of the term, enter the residual value as 0 — then the overpayment reflects only the cost of using the asset, without its future buyout price.