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Grok+17 agentsCar Lease Decoder: Money Factor to APR
Convert a car lease's money factor to APR, reconcile the payment math, and price the mileage and end-of-lease traps.
$5
Car Lease Decoder: Money Factor to APR
Example session with this skill installed
Lease offer on a $38,000 MSRP SUV: 36 months, 10,000 miles/year, $429/month, $2,999 due at signing, money factor 0.00275, residual 58%, cap cost $36,200, acquisition fee $895, disposition fee $495, overage $0.25/mile. I actually drive about 14,000 miles a year. Decode this.
- Read your context and instructions
- Compiled the car lease decoder
Lease Decode: $38,000 MSRP SUV — 36 months / 10,000 mi
The two numbers: effective APR
6.6% (0.00275 × 2400) · total lease cost
$21,437 ($15,444 payments + $2,999 drive-off + $495 disposition + $2,499 projected mileage overage at your real miles; acquisition fee assumed inside the cap cost)
The equation, reconciled
- Residual: 58% × $38,000 = $22,040
- Depreciation: ($36,200 − $22,040) ÷ 36 = $393.33/month
- Rent charge: ($36,200 + $22,040) × 0.00275 = $160.16/month
- Base payment ≈
$553 before any cap-cost reduction. Your quoted $429 implies roughly $4,400 of cap-cost reduction, more than the $2,999 due at signing suggests, unless part of the drive-off is not going to cap reduction.
Gap of ~$1,400 — ask where it comes from (a rebate applied? a different residual? tax excluded?).
Trap table
| Trap | The line | Your exposure | The ask |
|---|---|---|---|
| Mileage | 10,000 mi/yr, $0.25 overage | 14,000 real → 12,000 extra miles × $0.25 = $3,000 (or $2,499 if you buy a 12k tier up front at typical pricing) | Move to a 12k or 15k tier now; per-mile is cheaper pre-purchased |
| Disposition | $495 at return | Paid unless you buy or re-lease the same brand | Ask for a waiver in writing if you re-lease |
| Money factor | 0.00275 | ≈ 6.6% APR; check the buy rate for your credit tier | Ask for the base money factor; markups are common |
| Cap cost | $36,200 on $38,000 MSRP | Only 4.7% off MSRP | Negotiate the cap cost like a purchase price |
| Early termination | Not quoted | Remaining payments plus fees, typically | Get the formula in writing |
Negotiation points
- Cap cost: "What's the selling price before incentives? I'd like the cap cost at [target]."
- Money factor: "Is 0.00275 the buy rate for my tier, or marked up? Please show the base rate."
- Mileage: "Price the 15,000-mile tier; I'll take that instead of paying overage."
- Disposition: "Waive the disposition fee if I lease the next vehicle with you, in writing."
Lease vs buy pointer: at your mileage and a probable 4-year ownership, buying tends to compare better because overage and disposition disappear and equity remains; the full comparison is a separate calculation.
This is a plain-language reading, not financial advice — lease structures and taxes vary by jurisdiction; confirm anything load-bearing before signing.
Connects securely to your tools. The creator never sees your data.
What you get
About this skill
The problem
Leases are sold on the monthly payment. The money factor is an interest rate in disguise, the cap cost is negotiable and nobody says so, and the mileage and disposition terms decide whether the cheap payment stays cheap.
What it does
- Converts the money factor to an effective APR and computes the total lease cost including drive-off, fees, and projected end charges.
- Reconciles the lease equation (depreciation + rent charge + fees) against the quoted payment and flags any gap.
- Builds the trap table: mileage overage at your real miles, disposition fee, wear-and-tear standards, early-termination.
- Gives negotiation points with wording: cap cost, money-factor markup, mileage tier, disposition.
- Offers an honest lease-versus-buy pointer.
Why this beats prompting it yourself
A general prompt says leases have hidden costs. This skill does the arithmetic the dealer did and shows it to you, then prices the traps on your driving reality rather than the brochure's.
Use cases
- Evaluating a lease special before signing.
- Checking whether the quoted payment matches the stated terms.
- Estimating overage cost at your real annual mileage.
- Negotiating the cap cost and money factor.
Known limitations
Not financial advice. Tax treatment and lease structures vary by jurisdiction. Residual values are the lessor's numbers; the skill checks the arithmetic, not the residual's fairness.
How to install
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- 1
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- 2
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- 3
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