Leasing calculation

How much does leasing cost? What are the total costs? What role does the interest rate, the down payment and also the residual value play?

LP Banner Desk LEASE CALCULATOR No Nums
Calculator

Leasing costs
How do I calculate?

How much does leasing cost and how can I calculate a leasing rate?

Document Operating costs

Leasing
How does it work?

What is leasing and what are the advantages and disadvantages?

Contact question

Leasing
Questions and answers

The most important questions and answers about leasing.

Drive your car in an all-inclusive subscription

Leasing or all-inclusive car subscription

What many people don't know is that a car on subscription offers many advantages over leasing. Lower costs, less risk and more freedom. Simply request a non-binding offer and discover the price advantage.

Non-binding consultation
Leasing or car all inclusive

Explore savings potential

Ford fiesta st line x my22 Gc Y5 Al Ono H 2

Ford Fiesta ST-Line X

List price incl. optional equipment: CHF 30'250
Discount on list price:
8 %
Down payment leasing:
CHF 3'000 (CHF 83 / month)
Leasing rate:
3.9 %

Canton: Zürich
Kilometres per year:
10'200 KM
Duration:
36 months

The comparison is from February 2023. Find out more about our assumptions for the comparison here.

Ford fiesta grafik
Audi a3 sportback 35 tfsi 10 1

Audi A3 Sportback

List price incl. optional equipment: CHF 54'280
Discount on list price:
10%
Down payment leasing:
CHF 6'000 (CHF 166 / month)
Leasing rate:
3.9 %

Canton: Zürich
Kilometres per year:
30'000 KM
Duration:
36 months

The comparison is from February 2023. Find out more about our assumptions for the comparison here.

Group 2589
Peugeot 3008 gt pack

Peugeot 3008 GT Pack

List price incl. optional equipment: CHF 57'430
Discount on list price:
8%
Down payment leasing:
CHF 6'000 (CHF 166 / month)
Leasing rate:
3.9 %

Canton: Zurich
Kilometres per year:
22'200 KM
Duration:
36 months

The comparison is from February 2023. Find out more about our assumptions for the comparison here.

Group 2588
Non-binding consultation

Leasing: How do I calculate?

The monthly leasing costs depend heavily on the car and make, as well as the leasing period, the amount of the down payment (also known as a one-off special payment) and the terms of the leasing contract. In addition, the annual kilometres driven and any additional costs if the kilometre limit is exceeded also influence the costs. In addition to all these factors, there is also the interest rate and the residual value in the contract to consider, which have a significant impact on the monthly leasing rate. Normally, the monthly leasing rate for a private car ranges from a few hundred to several thousand francs, depending on the factors mentioned. To estimate the total cost of a lease, TCS recommends calculating the leasing rate approximately times three.



Down payment:
The down payment can usually be set by yourself and in most cases is several thousand francs.

Monthly payments:
In addition to the monthly leasing rate, there are other expenses such as taxes, registration fees or other administrative costs.

Insurance:
With a leased car, in addition to the compulsory third-party insurance, comprehensive insurance is also required, which is why these costs for insurance must also be included in the monthly expenses.

Service and maintenance:
Even if the leasing contract partially includes certain services, additional costs for repairs, tyres, brakes, etc. may arise.

Costs at the end of the leasing contract:
At the end of the lease term, or at the time of return to the dealer, there may be additional costs for excessive wear and tear, excessive mileage or other charges if the stipulated terms of the lease have not been adhered to.

Early termination charges:
If a lease is terminated early, there may be high cost implications as an early termination fee will be due.
It is very important with a leasing contract to check the terms carefully and to make cautious assumptions when determining the duration and kilometres in order to avoid high costs later on.

Show more

Tips and tricks around leasing calculations and leasing costs

The Comparis leasing calculator

With the Comparis leasing calculator, you can quickly and easily obtain a good guideline for the amount of the leasing rate with just a few entries.

Learn more

The Cembra leasing calculator

With the Cembra Leasing Calculator you can estimate the costs of a leasing instalment relatively accurately. If the information is entered correctly, this calculator is very accurate.

Learn more

Operating cost calculator from TCS

The leasing rate alone is only part of the total costs. This is why the TCS operating cost calculator is suitable for correctly estimating the costs of a leased car.

Learn more
Get leasing calculaters

Questions and answers

What is the total cost of a leased car?

The total costs of a leased car are higher than the monthly leasing rate x duration. This is because there are other costs in addition to the leasing rate. The TCS rule of thumb says that the total monthly costs of a leased car are about 3 times higher than the monthly leasing rate.

How are the total costs of a leased car composed?

In addition to the leasing rate, which depends on the vehicle price, the residual value, the duration, the KM package, the down payment and the interest rate, there are additional costs that are incurred during the leasing process. These include insurance, taxes, licence plates, service, repair & maintenance. Depending on the leasing contract, these factors can be included in the lease. However, this in turn increases the monthly leasing rate and we are then talking about a full-service lease.

What is a down payment for leasing?

A down payment is a one-off payment at the beginning of the lease. It is deducted from the price of the car to be financed. This reduces the financing amount and the monthly leasing rate is lower than without a down payment.

What is a residual value?

The residual value is an imputed value of a car that it will have at the end of the lease. This value essentially defines the depreciation costs and thus the monthly leasing rate.

How do I compare offers?

When comparing different leasing offers or comparing them with other solutions, such as a car subscription or purchase, it is essential to look at the total costs. Here you will find an overview of the total cost calculation, which provides a good basis for comparison.

In partnership with