Leasing calculator - payment and residual value
Calculate the leasing monthly payment, accounting for the down payment and residual value. Suitable for car capital and operating lease calculations.
Calculations are based on Estonia's tax rates in force for 2026. Results are informational.
Last updated: 2026-06-03
How is the leasing payment formed?
The leasing payment is calculated on the financed amount (asset price minus down payment), accounting for the residual value paid at the end of the term. The larger the down payment and residual value, the smaller the monthly payment, but the residual value must be paid at the end of the term.
How it is calculated
Formula
financed = price − down payment. The monthly payment amortises (financed − present value of the residual) as an annuity; the residual is paid at the end.
Example
Price 20,000 €, down payment 4000 €, residual 5000 €, 4 years → financed 16,000 €.
Frequently asked questions
How is the leasing payment calculated?+
The payment is based on the financed amount (price minus down payment), accounting for the residual value at the end of the term.
What is residual value?+
It is the amount you pay at the end to buy out the asset. A higher residual value lowers the monthly payment.
Capital vs operating lease?+
At the end of a capital lease you become the owner; with an operating lease you return the asset or buy it for the residual value.