For a specific lease offer
Is the monthly lease payment actually a good deal?
Spread upfront and transfer costs across the term, then place your offer in the current market.
The monthly payment is only the visible part.
You can compare offers fairly only after spreading every upfront cost across the full term.
Example values. Select a field to replace them.
Your offer's leasing factor
Example result
Replace the example values on the left. We only compare your offer with the market after that.
- Advertised payment
- 350 €
- Upfront costs per month
- + 28 €
- Effective monthly payment
- 378 €
Factor before extra costs
0.88
Total-cost factor
0.94
The two figures
Two factors, two different answers.
- Leasing factor
- Compares the monthly payment with the gross list price. It is useful for a quick first comparison.
- Total-cost factor
- Spreads upfront and transfer costs across every month. This figure says more about your specific offer.
Total-cost factor = (monthly payment + (upfront payment + transfer costs) / term in months) / list price × 100.
The market comparison covers German private leases with gross prices. It appears only when Germany is selected and the data is sufficiently recent. You can calculate the factor for other markets, but no German market rating is applied.
Understand the formula and market thresholdsBefore you sign
A good factor does not guarantee a good contract.
The factor assesses price. Returns, excess mileage, final payments and missing terms still need a separate review.