More than the monthly payment
Calculate the leasing factor with an upfront payment.
The standard leasing factor uses only the monthly payment. An offer with an upfront payment also needs a total-cost factor that spreads the payment across the term.
Upload a lease offer with an upfront payment
Carculated finds the list price, monthly payment, upfront amount and term in the document, then compares the standard and total-cost factors.
- List price & payment
- Upfront amount
- Both factors
The original is deleted after analysis. Only redacted offer facts and evidence snippets are retained, never a document copy. How we process your document.
The example only shows the method. Your result uses the documented figures from your offer.
Which figure answers which question?
The leasing factor supports a quick payment comparison. The total-cost factor represents the specific offer including upfront costs.
- 01Calculate the base factorMonthly payment divided by gross list price shows the advertised payment relative to vehicle value.
- 02Spread the upfront amountThe one-off payment is allocated evenly across every contract month.
- 03Place the total-cost factorThe adjusted monthly value is divided by list price again and can be compared on a matching market basis.
Original deleted after analysis
We use your PDF or images only to extract the offer details, then delete the file. A private version history is saved only when you actively create a negotiation case; statistics facts require a separate opt-in.
Assessment before partner offers
We calculate the costs and review the contract before any partner offers appear. Commission changes neither your result nor its assessment. If no genuinely comparable offer is available, we show none.
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