Leasing calculator
Calculate monthly payments for your financial or operational leasing
Leasing Data
Leasing result
| Leasing type | Financial leasing |
| Purchase price | 40000 € |
| Rate | 3.3% |
| Period | 3 years / 36 months |
| First deposit | 4000 € |
| Monthly payment | 1051.69 € |
| Contract fee | 600 € |
| Total payment | 42460.84 € |
Frequently Asked Questions about Leasing
What is leasing?
Leasing is a financial tool that allows you to use an asset (such as a car or equipment) by making regular payments instead of paying the full amount upfront. At the end of the contract, you can buy out the asset or return it to the leasing company.
How do I correctly calculate the monthly lease payment?
To calculate it, you need to know: the asset price, interest rate, lease term, and the amount of the down payment. In some cases, the residual value is also considered. Our online calculator helps estimate the amount, but the final terms may differ — everything depends on the approval of the leasing company.
What types of leasing exist?
There are two main types:
- Operating lease — renting an asset for a short or medium term without the obligation to buy. After the term ends, the asset is returned to the lessor.
- Financial lease — a long-term lease with the intention to purchase the asset at the end.
What are EURIBOR 3M and 6M and how do they affect leasing?
EURIBOR (Euro Interbank Offered Rate) is the average rate at which European banks lend to each other. For lease payments, EURIBOR + the company's margin is often used. If EURIBOR rises, the total rate increases as well.
What do 3M and 6M mean:
- EURIBOR 3M — the rate for a three-month period.
- EURIBOR 6M — the rate for a six-month period.
Your rate may be reviewed every 3 or 6 months.
How is leasing different from a loan?
- With a loan, you immediately become the owner of the asset, usually with collateral.
- With leasing, the leasing company remains the owner until buyout; you only pay for usage.
- For businesses, leasing is often more convenient: you can account for VAT, reduce taxes, and usually no separate collateral is required.
What is a down payment in leasing?
This is the part of the cost you pay when signing the contract. The down payment is usually 10–49% of the asset's value. The higher the down payment, the lower the monthly payments.
Can I buy out the leased asset early?
Yes, most contracts allow early buyout. An additional fee may apply — check all details with your manager.
Why does the calculator's result differ from the manager's offer?
The calculator is a preliminary tool. Actual terms may differ due to your creditworthiness, asset condition, insurance, and other factors.
What documents are needed to apply for leasing?
For businesses — incorporation documents, financial statements. For individuals — passport, tax ID, and proof of income. Check the full list with your manager — it may vary depending on the deal type.
Can I change the term or payment schedule?
Some companies allow changes upon agreement. For example, you can extend the term to reduce payments, or repay faster.