Make upfront costs visible
Include transfer costs in the lease payment.
Transfer charges are often shown separately from the monthly payment. For a fair offer comparison, spread the charge across the term and add it to the advertised payment.
Upload a lease offer with transfer costs
Carculated extracts the payment, term and transfer charge. Separately labelled preparation or additional costs remain visible as open review points.
- Payment & term
- Transfer charge
- Effective payment
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.
How transfer costs become comparable
One-off costs are not hidden. They are converted to the same monthly basis as the advertised payment.
- 01Identify the cost typeTransfer, preparation and other costs stay separate so a charge is not counted twice.
- 02Spread it across the termThe documented one-off amount is divided by the number of contract months.
- 03Compare the effective paymentOnly the advertised payment plus the monthly cost share provides a consistent 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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