The receipt
The listed payment$414
- Transfer fee (about)+ $45Money due at signing is spread over the months, here about $45 a month.Transfer fee about $500 (the listing does not say), spread over 11 monthsSource: the SwapALease listing, read Nov 4. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
- Tax (about)+ $26Tax is what your state adds to the payment, here about $26 a month.Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)Source: State revenue department pages, 50 of 51 states sourced. Read Oct 30.
- Extra miles+ $0Your miles fit inside the lease, so nothing extra is added.Miles: you drive 12,000 a year, the lease covers 19,118The lease covers your miles, so extra miles cost nothing.Source: the SwapALease listing, read Nov 4. Where the ad gives no per-mile rate, we use $0.25 a mile.
- Insurance (about)+ $188Insurance: about $188 a month for this car at the U.S. average. Tap to type yours.Insurance about $188 for the U.S. average (range $150 to $225). Your own quote may differ. Type yours.Chevrolet Blazer EV: no quotes for this exact version, so we use quotes for the same model with another powertrain, a close relative. They run $150 to $225 a month (The Zebra, read Oct 19) → middle $188 × 1.00 (U.S. average) = $188 a month. Full coverage, a typical driver with a clean record.Source: The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.
- Charging (about)+ $67Charging: about $67 a month for the miles you drive. Tap to type your price.Electric: charging at home (about)12,000 mi a year ÷ 2.7 mi/kWh (EPA combined, 2024 Blazer EV RS RWD) = 4,444 kWh × $0.1816 a kWh (EIA U.S. home electricity, August 2026) = $807 a year = $67 a month city 2.9 to highway 2.5 mi/kWhSource: U.S. Energy Information Administration (gas, week of Nov 2; electricity, August 2026). Read Nov 5.
Real Lease Cost™ (everything you pay), each month$740
Sources and read dates
- The listed payment the SwapALease listing, read Nov 4.
- Transfer fee (about) the SwapALease listing, read Nov 4. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
- Tax (about) State revenue department pages, 50 of 51 states sourced. Read Oct 30.
- Extra miles the SwapALease listing, read Nov 4. Where the ad gives no per-mile rate, we use $0.25 a mile.
- Insurance (about) The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.
- Charging (about) U.S. Energy Information Administration (gas, week of Nov 2; electricity, August 2026). Read Nov 5.
about = our guess
See the math
How each part is worked out:





